Credit Risk Analyst

Entercard is one of Scandinavia's leading credit market companies with over 2 million customers in three markets. Through our two owners, Barclays and Swedbank, we get access to global and unique expertise within lending. Our goal is to make our customers' everyday lives easier by offering them smart and responsible payment and financing solutions.

We are present in Norway, Sweden, and Denmark and have 450 dedicated employees. We are now looking for a Credit Risk Analyst to join the team.

What you'll be doing

• Contribute to the continual optimization of Credit Risk underwriting strategies, Existing Account Management and monitoring of delinquency performance in all markets EnterCard operates in, through application of industry-leading analytics.
• Deliver on agreed shared and functional targets and contribute to seamless collaboration across functions to secure delivery.
• Know your steering documents (policies, instructions etc.) and processes relevant for your role.
• Execute discrete analytical tasks with attention to detail. Manage expectations regarding timelines and expected challenges. Account for practical factors that may have an impact on analytical outcomes, e.g. operational issues affecting performance data. Present it in a format proper for the audience.
• Perform analysis using industry-leading methods and applying a ?test-and-learn? approach.  
• Collaborate with other EnterCard teams; e.g. with the Finance function in order to calculate full P&L impacts of a given Credit Risk treatment, or operational teams who may be required to amend processes in line with Credit Risk analytical findings.
• Monitor Credit Risk performance and provide regular commentary and insights to stakeholders on performance against expectations, trends and emerging risk/opportunities.
• Work as part of an Entercard-wide community to deliver ongoing improvements in the way data is stored, used and made available across the organization.
• Liaise with the Decision Science team with development, monitoring and validation of scorecards and other models.  
• Contribute to the Credit Risk control framework through documenting strategy changes and operating controls as required.
• Establish and maintain process knowledge, execute controls, proactively identify improvement areas and actively contribute to continuous improvement of processes.
• Contribute to the wider EnterCard Credit Risk team and organization through proactively sharing best practice, supporting colleagues in periods of stress, always communicating transparently and openly, and helping continue to make EnterCard a fun place to work.
• Support Department Managers, Team Leaders and others with specialist knowledge and provide input to different development/improvement activities.

To succeed in this role, you need to:

• Strong quantitative skills, preferably on Master's degree level, in either economics, Finance, mathematics or statistics.
• Experience of analytics in a Consumer Finance organization or similar environment is preferred, but not required.
• Programming skills in SQL, Python, SAS, R or similar and an interest in working with and generating insights from data will be essential.

Have an analytical mindset and leave no numbers behind, understand the business and how each part are connected. You are curious about new ideas and embrace change as a part of your daily work, believe that sharing your expertise and knowledge with your colleagues strengthens the team. You care about the customer experience and strive to make it better with simpler and smarter solutions and you have strong verbal skills and know how to facilitate and present an idea. You are a person that looks beyond silos to collaborate and build the best possible solutions. We encourage graduates as well as candidates with 1-2 years of relevant experience to apply.

The team/workplace

At Entercard, we believe in collaboration and the strength of diversity. Among our employees, there are 40 different nationalities, who contribute with new knowledge and cultural experiences.
Our culture is strongly characterized by our core values: passionate, innovative, and genuine. They reflect everything we do, how we work, and how we respond to customers. We believe that diversity, analytical capabilities, and dedicated employees drive development and growth.