Credit Officer

3 days ago

Stockholm, Stockholm, Sweden Qred Bank AB Full time 170,000 - 300,000 per year

Dedicated to powering entrepreneurs, Qred is a profitable, fast-growing fintech scale-up bank. In just 10 years, we've grown from a startup to hitting 1 billion SEK in annual revenue supporting over 50,000 entrepreneurs and helping create 10,000+ jobs every year. We combine smart tech with real-world experience to make funding simple, fast, and fair for entrepreneurs who need it most. With strong backing, a flat organization, and bold growth plans, we're now looking for another Credit Officer to join us and shape the future of small business owners.

The role

As a Credit Officer within the Credit Domain, you will play an important role in managing and making decisions on large and complex credits in seven different markets. This role involves conducting ad-hoc analyses, monitoring the overall loan and card portfolio and contributing to compliance and credit-focused projects.

The Credit Officer acts as a support function for our country-specific underwriters, providing expert guidance and feedback on credit-related tasks. You'll also be responsible for educating and updating underwriters on Qred's procedures and closely monitoring the progress and quality of credit decisions.

Responsibilities

Support country-specific functions in decisions regarding large and/or complex credits per the credit policy

Alert country-specific teams to additional information that may be needed to make a well-founded decision

Identify areas for improvement within our assessment strategies

Drive internal and external projects to improve the Credit decisions

Extract data from our database to analyze, evaluate trends and perform controls

Contribute feedback to develop our automated services, primarily our Qred Scoring Algorithm (QSA)

Qualifications

Bachelor's Degree in Finance, Economics, Business Administration, or comparable experience within the required field

At least 5 years of relevant experience within Underwriting

Skills and competencies

Strong understanding of financial documentation, like profit and loss statements and annual reports

Basic understanding of accounting principles

Proficiency in underwriting

Fluent in the English language

Excel skills (formula creation and ad-hoc analysis of exported data)

Skills and Competencies that will make you stand out from the rest

Project management skills or experience

Experience of B2B credit cards or factoring

SQL skills or experience

One last thing - if you're about to send in your application

This is a full-time, permanent position based in Stockholm. Don't wait to send in your application, as the deadline for applying is Dec 12th, 2025. While the start date is flexible, the right candidate can join us immediately.

Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law.

#LI-Hybrid 

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