Credit Officer - Swedish Market

Shape the future of responsible lending in a bank that puts people at the centre.

At NOBA Bank Group, we believe that healthy finances empower individuals and society. As the Nordic region’s largest specialist bank, we offer tailored lending solutions that are sustainable for the individual, the bank and the wider community. We are now looking for a Credit Officer to support our Swedish market. In this role, you will make well‑grounded credit decisions, champion customer satisfaction and help us refine how we work. This is more than processing applications; it's about safeguarding our reputation for transparency and fairness.

About the role:
As a Credit Officer, you’ll be part of a close‑knit team of three Credit Officers and a Team Manager. Together, you handle credit assessments, advise customers and collaborate with colleagues across NOBA, including Customer Service, AML and Fraud. You’ll review loan, manage payment files, review credit card and limit increase applications. You will also contribute to developing best practices and training new team members. Your analytical work will be balanced with customer interaction, giving you a well‑rounded understanding of our operations.

We’re constantly evolving, and your role will evolve too. You’ll have the opportunity to deepen your expertise in credit and branch out into related areas such as AML, DFC and customer experience. NOBA’s culture values openness, trust and diversity. Everyone is seen, heard and respected and we recognize that different backgrounds and perspectives enrich our workplace. You’ll join at a time when we’re building new processes and investing in our people, so your ideas will be heard.

Main tasks:

• Assess credit applications: loans, credit cards and credit lines, and make responsible lending decisions.

• Evaluate customers’ creditworthiness using data and judgement.

• Handle customer inquiries related to credit applications across various channels.

• Manage payment files

• Contribute to process improvements and help develop best practices.

• Support onboarding and training of new colleagues.

• Collaborate with other departments, including Customer Service, AML and Fraud Prevention.

We are looking for you who:

• Speaks Swedish and English fluently.

• Has experience from banking, finance, credit assessment or a related field.

• Understands the basics of credit and lending, including interest rates, risk and regulatory requirements.

• Is comfortable working in multiple systems and can juggle several tasks at once.

• Makes decisions confidently and can justify them.

It's positive if you:

• Have experience assessing credit or lending decisions in a bank or financial institution.

• Hold a degree in finance, economics or a related discipline.

• Speak other Nordic languages; Norwegian or Finnish are particularly useful.

To thrive and perform well in the role, we believe that you need to be:
Detail‑oriented and structured, ensuring that every decision is consistent and well documented. You understand that credit isn’t just numbers; it’s about balancing risk with opportunity.

You take ownership of your responsibilities and are curious about improving how we work. You enjoy collaborating with colleagues and sharing knowledge.

Flexibility is essential, our processes evolve quickly and you adapt without losing sight of what matters.

We value accountability, creativity, results and self‑awareness, and we also believe that when people feel safe and respected, they perform better.

In addition to this, it is important to us that you recognize yourself in our values: we are wholehearted, we collaborate and we take the lead.

If you want to reuse your previous test results, you need to apply using the email associated with Alva Labs.

Practical information:
Start: As soon as possible
Location: Snarøyveien 36, Fornebu
Form of employment: Permanent, full‑time.
Working hours: Flexible, with core hours from 09:00–15:00. Hybrid work is possible, typically two days per week from home.
Application deadline: We review applications on an ongoing basis.

Read more about how our recruitment process works in the FAQ.

We care for your privacy and, with reference to the GDPR, would like to ask you not to include any sensitive personal data in your application, for examples information about ethnic origin, political opinions, religious beliefs or information about your health.

Read more about how we handle your personal data here.

If you have any questions or concerns about the position, please contact the responsible recruiter.

We look forward to receiving your application! 🙏✨

With a diversified offering through three brands – Nordax Bank, Bank Norwegian and Svensk Hypotekspension – as well as two million consumers, we have the size, skill, and scalability to enable healthier finances for even more people. NOBA creates specialized, customer-centric financial offerings that are sustainable for individuals, the bank and society at large, today and tomorrow. NOBA Bank Group AB (publ) (“NOBA”) is owned by Nordic Capital Fund IX, Nordic Capital Fund VIII and Sampo. Today the NOBA group has approximately 630 employees and is active in eight countries.

As of March 31, 2024, lending to the public amounted to SEK 114.4 billion and deposits totaled SEK 105.2 billion.

Founded in 2003

Employees: 600+