Senior Credit Risk Analyst, Gdańsk
4 tygodni temu
At TF Bank, our goal is to provide innovative finance solutions to customers who value flexibility and convenience. Since 1987, we have grown steadily in terms of product offerings, revenues, and geographic presence.
We prioritize organic growth under controlled conditions, carefully selecting segments and markets for expansion. Our business operations are conducted through subsidiary, branch, or cross-border banking, leveraging our Swedish banking license in Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany, Austria, Spain, Ireland, and the Netherlands.
About UsOur operations are divided into three main segments: Consumer Lending, Credit Cards, and Ecommerce Solutions. We are listed on Nasdaq Stockholm and dedicated to delivering exceptional customer experiences.
Senior Credit Risk Analyst Job DescriptionWe seek a seasoned Senior Credit Risk professional with expertise in credit risk analytics, statistical modelling, and credit risk management in the banking sector. The ideal candidate will have significant experience working with credit cards, including risk assessment, portfolio management, and lifecycle analytics.
Key Responsibilities:- Data Collection and Analysis: Gather and analyze data from various sources, including internal systems and Credit Bureaus, to identify trends, patterns, and opportunities for credit policy or marketing activities.
- Risk Management: Develop and implement strategies to balance risk and profitability for credit card products.
- Credit Limit Management: Participate in the process, monitoring performance and proposing changes to the strategy as needed.
- Statistical Modelling: Create and maintain models, such as scorecards for the credit risk area.
- Insight Sharing: Provide actionable recommendations to stakeholders based on data analysis, driving informed decisions and business growth.
- Collaboration: Work with teams across different geographical locations.
- Communication: Effectively convey complex analytical findings and insights to technical and non-technical stakeholders through presentations, reports, and visualizations.
- Bachelor's degree in Mathematics, Statistics, Economics, Quantitative Methods, Computer Science, or Engineering (Master's degree preferred).
- Minimum 3 years of experience in analytics or data science fields.
- Experience in retail credit risk within the financial sector is required.
- Deep understanding of credit card products, risk drivers, and profitability.
- Proven experience in credit limit management processes.
- Strong analytical and problem-solving skills with attention to detail.
- Algorithmic approach to solving problems and delivering impactful insights.
- Fluent English for collaboration with international colleagues.
- Data modelling methodologies and statistical analysis techniques.
- Knowledge of programming languages such as Python or R.
- SQL skills for data extraction and manipulation.
- Predictive modelling using logistic regression.
- Effective communication and presentation skills.
- Ability to work in a fast-paced environment managing multiple priorities and meeting deadlines.
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