Senior Credit Risk Analyst

What's in it for you?

You should choose Northmill if you want to take part in a unique journey that will give you the opportunity to develop yourself and a chance to make a difference. If you are the kind of person that dares to get out of your comfort zone and explore, Northmill is perfect for you.

You will get a bunch of friendly, driven, and nerdy colleagues! It's a big part of our success story. In addition to endless interest in innovative technologies, consumer credits, IT security, and data, we are experts in everything from football, dogs, Nintendo, interior design, technology, and more. You will also enjoy fun stuff like daily breakfasts, education forums, and social events in our brand new office with an astonishing view over Stockholm city.

As our Senior Credit Risk Analyst, you will be a part of a growing challenger bank in a fast-paced and competitive niche. You will have a central position in an important team where you will make a difference. We are a flat and agile organisation with short decision path's and data driven decision making is key to the success of Northmill.

The scope of your role

Your mission is to assist in formulating and implementing Northmills growth agenda while maintaining good control and oversight across the credit life cycle. You will be a vital part in setting the framework as well as the specific rules for how to achieve our portfolio growth objectives while meeting our targets on Risk appetite, risk adjusted return and overall credit quality. In a data-driven organization you need to be able to transform data into executable strategies. This basis will be in the form of model development, in-depth analysis and reporting but it is important you also have the ability to practice sound credit judgment and to be pedagogical in explaining the result to other parts of the business. As Credit Risk is present in most aspects of the customer cycle for lending products you will be involved in analyzing everything from sourcing of customers to pricing, credit processes, portfolio management, and debt collections.

About you

To thrive in this role we believe you are curious with the ability to question status quo and you never quit until the goal arereached. You are active and always on the move with a strong focus on quality and results.

As a Senior Credit Risk analyst, you need to have a good understanding of the Swedish consumer credit market in general as well as the specifics of Northmill’s business. You are expected to have outstanding technical skills in using common available tools to gather, aggregate and transform data into information as basis for decision making.

You bring:

- Bachelor degree in Statistics, Economics Mathematics, Computer science, Engineering, or Business field.
- A minimum 3 years within Credit and Analytics within consumer credits, preferably niche banks or finance companies.
- Fluency in Swedish and English.
- Excellent knowledge in SQL, R/Python, SAS and other common tools.
- Methodological some combination of Predictive modelling (churn, LTV), Large scale A/B testing.

Have we caught your interest?

We encourage you to apply as soon as possible, as we go through the applications continuously.