Credit Risk Manager

1 day ago

Stockholm, Stockholm, Sweden Qred Bank AB Full time

Dedicated to powering entrepreneurs, Qred is a profitable, fast-growing fintech bank. In 10 years, we've grown from a startup to a licensed bank with 1 billion SEK in annual revenue, supporting over 50,000 small businesses. We combine smart tech with real-world experience to make funding fast, fair, and flexible for the people who build our society. We are now looking for a Credit Risk Manager to join our Stockholm office to join us and shape the future of small business owners.

The role

In this role, you will be a technical authority within the Credit Domain. You will lead the strategic development of our credit processes across our core business loans and our growing credit card portfolio. This isn't about just following rules; it's about using your expertise to build, challenge, and optimize the frameworks that allow us to scale safely. You'll work closely with Product, Engineering, and Data Science to ensure our risk models aren't just theoretically sound, but practically superior.

Responsibilities

  • Strategic Optimization: Take ownership of the credit origination and underwriting processes for both business loans and cards.

  • Portfolio Management: Define and monitor the framework for credit limit adjustments, balancing automated efficiency with portfolio health.

  • Data-Driven Leadership: Build and maintain advanced dashboards to monitor product performance and identify emerging risk trends.

  • Technical Collaboration: Partner with the card and loan product teams to automate credit processes while maintaining high quality and compliance.

  • Model Refinement: Provide expert feedback to improve risk models and underwriting practices based on real-world portfolio behavior.

  • Policy Evolution: Drive changes in the credit policy to reflect market shifts and internal learnings, ensuring we stay ahead of the competition.

Qualifications

  • A Master's Degree in Finance, Engineering, Mathematics, or another quantitative field.

  • Significant experience in credit and analytics within a bank, fintech, or top-tier consultancy.

  • Strong technical skills in Python and SQL for deep-dive analysis.

  • Expertise in visualization tools like Amazon Quicksight Power BI, Qlikview or similar.

Skills that will make you stand out

  • Experience from credit card businesses, either targeting small businesses or consumers.

  • Deep understanding of credit scoring models and their application in lending.

  • Project management skills or experience.

Why join us?

This is a unique opportunity to join a growing fintech company that is redefining financial services for small businesses in Northern Europe. You'll work with a passionate and innovative team, participating in creating an environment where employees thrive and contribute to a shared vision of success.

One last thing

This is a full-time, permanent position based in Stockholm. Don't wait to send in your application, we are reviewing applications on a rolling basis. 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 #LI-JL1

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