TF Bank AB (publ)
TF Bank AB (publ)
TF Bank AB (publ) एक डिजिटल बैंक है, जो नॉर्डिक और बाल्टिक देशों तथा यूरोप के अन्य बाज़ारों में उपभोक्ताओं और ई-कॉमर्स व्यवसायों को सेवाएँ देता है। 1987 में स्थापित यह कंपनी स्वचालित प्रौद्योगिकी प्लेटफ़ॉर्म के माध्यम से उपभोक्ता ऋण, क्रेडिट कार्ड और ई-कॉमर्स वित्तपोषण उपलब्ध कराती है, जिसे बड़े पैमाने पर बैंकिंग संचालन में सहायता के लिए तैयार किया गया है। इसके उत्पादों में ऋण चुकाने की क्षमता रखने वाले ग्राहकों के लिए छोटी अवधि के छोटे ऋण शामिल हैं, जबकि इसकी टीमें बैंकिंग, फिनटेक और डिजिटल वाणिज्य के क्षेत्रों में काम करती हैं।

Credit Risk Performance Analyst – Tallinn Hybrid

Credit risk analyst role focused on portfolio performance, pre-collection strategy, SQL analysis, pricing, and performance monitoring. The position supports credit-loss prevention and portfolio transactions in a European personal-finance environment.

विवरण

  • Assess performing credit portfolios by analysing payment behaviour, early delinquency, roll rates, vintages, customer segments, and profitability.
  • Turn emerging risks and opportunities into practical recommendations for the business.
  • Evaluate and enhance pre-collection strategies across customer selection, contact channels, treatment approaches, vendor performance, and cure rates.
  • Plan and assess tests that measure the incremental effect of pre-collection initiatives.
  • Build SQL analyses, datasets, and recurring reports on portfolio performance.
  • Support portfolio sales and forward-flow transactions through segmentation, data-tape preparation, cash-flow and pricing analysis, due diligence, and post-sale monitoring.
  • Maintain reliable data, consistent definitions, and clear documentation.
  • Communicate findings clearly and commercially to stakeholders, committees, and management.
  • Work closely with Credit Risk, Collections, Finance, Commercial, Data, country teams, and external partners.

आवश्यकताएँ

  • Advanced SQL skills and experience handling large, complex datasets.
  • A relevant degree or academic background in finance, economics, statistics, mathematics, data science, or a comparable quantitative discipline.
  • Experience in credit risk, portfolio analytics, consumer finance, collections, or another data-driven financial setting.
  • Strong analytical and problem-solving ability paired with sound commercial judgement.
  • Skill in translating complex analysis into clear conclusions and actionable recommendations.
  • An organised, self-directed approach with meticulous attention to data quality and detail.
  • Strong communication skills and confidence engaging with both technical and business stakeholders.
  • Professional fluency in English.
  • Experience with Power BI, advanced Excel, pre-collection, portfolio sales, or debt-purchase transactions is advantageous.

लाभ

  • Exposure to a wide range of markets and financial products.
  • Substantial ownership of analytical work.
  • The opportunity to influence portfolio performance, future credit-loss prevention, and portfolio transactions directly.
  • Close collaboration with key decision-makers.
  • A growing Group function with a clearly defined mandate.

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