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TF Bank AB (publ)
TF Bank AB (publ)
201 – 500 Employees
BankingeCommerceFintech
TF Bank AB (publ) is a digital bank serving consumers and e-commerce businesses across the Nordics, Baltics, and other European markets. Founded in 1987, the company provides consumer loans, credit cards, and e-commerce financing through an automated technology platform designed to support scalable banking operations. Its products include small, short-term loans for creditworthy customers, while its teams work across banking, fintech, and digital commerce.
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Credit Risk Performance Analyst (Hybrid, Poland)

Analyze performing credit portfolios and pre-collection strategies across Avarda Group’s European personal-finance business. Support portfolio transactions through SQL analysis, pricing, due diligence, and ongoing performance monitoring.

PLPolandHybridFull-timeMiddleSeniorEnglish RequiredInsurance
SQL

Description

  • Assess performing credit portfolios by reviewing payment behavior, early delinquency, roll rates, vintages, customer segments, and profitability
  • Spot emerging risks and opportunities, then turn the findings into actionable business recommendations
  • Evaluate and enhance pre-collection strategies, including 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 reliable SQL analyses, datasets, and recurring reports on portfolio performance
  • Contribute to portfolio sales and forward-flow transactions through segmentation, data-tape preparation, cash-flow and pricing analysis, due diligence, and post-sale monitoring
  • Maintain high data quality through consistent definitions and clear documentation
  • Communicate findings concisely and commercially to stakeholders, committees, and management
  • Work with teams across Credit Risk, Collections, Finance, Commercial and Data, country organizations, and external partners

Requirements

  • Advanced SQL capability with experience handling large, complex datasets
  • A relevant degree or academic background in finance, economics, statistics, mathematics, data science, or a comparable quantitative discipline
  • Professional experience in credit risk, portfolio analytics, consumer finance, collections, or another data-focused financial setting
  • Strong analytical and problem-solving ability paired with sound commercial judgment
  • Skill in converting complex analysis into clear conclusions and practical recommendations
  • An organized, self-directed approach with close attention to data accuracy and detail
  • Clear communication skills and the confidence to engage technical and commercial stakeholders
  • Professional fluency in English
  • Experience with Power BI, advanced Excel, pre-collection, portfolio sales, or debt-purchase transactions is advantageous

Benefits

  • Work across a broad range of markets and financial products
  • Take substantial ownership of analytical work
  • Help shape portfolio performance, reduce future credit losses, and support portfolio transactions

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