Credit Analyst

Qliro’s Credit Analytics team is looking for a talented and driven analyst to strengthen our Credit Analytics Function. The Credit Analytics team is at the heart of Qliro’s Credit function and in charge of developing credit strategies that enables Qliro to grow, while keeping the risk at bay.

As an analyst at Credit Analytics, you will learn to become expert in identifying and mitigating risk drivers across the customer life cycle. This involves qualitative and quantitative analyses to identify and understand the root causes of credit risk as well as applying targeted strategies to make sure that credit results are actively managed.

What will you do?

- You understand our product and its credit life cycle and strive to understand what’s driving our Credit risk throughout the entire customer lifetime.
- You monitor our existing credit framework and test existing rules and assumptions. Keeping relevant stakeholders updated on rules performance and provide insight to help improving our strategies.
- You perform root cause analyses of concerning trends and identify performance drivers and translate your findings into relevant modifications of the credit strategy.
- You follow up on various initiatives to mitigate risk within the existing portfolio.
- You support the teams working with our newly launched consumer finance product with analytical insights required to get the most out of our business model and to balance risk-reward.
- Together with other teams at Qliro, you work on various risk and product related products. Using structured and unstructured data, you aim to translating analytical findings into business implications.


Who are we looking for?

- ?You have a degree in engineering, statistics, econometrics or finance or another relevant field or a few years of experience in an analytics field.
- You’re fascinated by the credit problem and what’s driving risk and you want to learn everything there is to know.
- You’re brilliant and street smart and you’re able to get up to speed rapidly. We don’t expect knowledge from the Credit field from the get go but we do expect you to get up to speed quickly. You are good at finding the information you need, even if that requires googling, nagging other teams or the occasional reading of manuals.
- You’re prepared to dig into whatever is thrown at you. As the newest member of team, you will often help others with their projects and learn from them. However, don’t hesitate to bring forward your own ideas.
- You have prior experience from analyzing large data sets and databases and you are willing to learn new systems and tools if they’re needed to get the job done. We currently use R, Scala and T-SQL so prior knowledge of them will help you get up to speed faster.
- You’re tech savvy. Programming experience, even if it’s just the basics, is a plus.

What can we offer you?

Qliro offers a dynamic and fast-paced Fintech environment with teams of driven and flexible individuals. We thrive on challenges, personal growth and you will be able to excel within the company. We have a learning and development focused environment with an emphasis on knowledge sharing and training. We work hard to create a workplace which is diverse and inclusive, where you can have a great work-life balance and love the work you do.

In terms of Compensation - You’ll get an attractive salary, pension and insurance plans, along with 30 days’ annual leave and some great staff discount on purchases within the group.

Qliro is on a mission to become the champion of digital consumer finance in the Nordics. Our company was founded in 2014 and we have grown to a team of over 200 people from over 30 different countries, and over 2,5 million unique customers have used our payment products. We see great opportunities ahead in building new innovative financial and payments products, to solve the everyday problems of millions of Nordic consumers. We do this by building products based on three basic principles: simplicity, value for money, and great customer experiences.

We do what we do because we love modern technology. We believe in disrupting the way things always have been done. With our mindset and our genuine passion for creating amazing consumer and merchant products and services, we see ourselves as forerunners in transforming the payments and consumer finance industry in the Nordics.

We are a part of Qliro Group, the leading e-commerce group in the Nordics, with Kinnevik as the largest owner. Qliro is a regulated company under the supervision of the Swedish financial supervisory authority (Finansinspektionen).

Want to learn more about us as an employer please visit our career page.