Credit Risk Analyst, Danish Portfolio

Our Credit & Analytics department is known for being one of the most forward-thinking in the Nordics, made up of talents from across the globe. Within it, the Credit Underwriting & Decision Analytics unit focuses on continuously improving our automated underwriting processes and monitoring risk performance, always with an eye on what's next.

About the role:
As our unsecured portfolios grow in size and complexity, you help shape the future of our Danish portfolio. Credit underwriting sits at the core of an unsecured lending bank, and internally we simply call this "running the bank." You coordinate closely with stakeholders across departments.

What you'll be doing:

• Collaborate with business, product and cross-functional teams, bringing credit risk expertise into business decisions

• Work with data and data structures to build a strong foundation for monitoring and connect insights to business and risk outcomes

• Contribute to continuous improvement of credit risk strategies, tools and processes

• Develop and enhance data-driven monitoring and reporting for proactive risk management

• Understand how data flows through our systems to identify opportunities and improve decision-making

• Communicate findings and recommendations clearly to technical and non-technical audiences alike

Who we're looking for:
You are creative, curious and analytically sharp, someone who enjoys challenging and improving existing methods with data. You see how data flows through business processes and use that to spot opportunities and create value. You thrive collaborating across backgrounds, motivated by tangible business impact.

Beyond that, we're looking for someone with:

• At least 5 years' experience in credit risk within the Danish market.

• Knowledge of credit bureau data, regulatory requirements and market-specific credit risk factors for Denmark.

• Strong analytical skills, with the ability to interpret complex data and present findings clearly.

• Strong communication skills, able to explain complex findings in an understandable way.

• Experience with analytical tools such as R, Python, SAS or SQL/Databricks.

• A degree in a quantitative field such as Economics, Finance, Statistics or Data Science.

• Fluency in English; Scandinavian language skills are a plus.

Nice to have:

• Familiarity with reporting tools such as Tableau or Power BI.

• Exposure to cloud platforms (e.g. AWS, Azure, GCP).

Practical information:
Start:
Location:
Form of employment:
Extent:
Working hours:
Hourly wage/fixed wage 💰

Have you heard of NOBAVERSE?
In our NOBAVERSE, we value openness, trust, and diversity. Here, you can influence your own development and have fun along the way to achieving our goals – all in a workplace that’s a little extra bubbly! ✨
Read more about our employee value proposition on our careers page.

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

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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+