TF Bank AB (publ)
TF Bank AB (publ)
TF Bank AB (publ) yra skaitmeninis bankas, aptarnaujantis vartotojus ir elektroninės prekybos įmones Šiaurės šalyse, Baltijos šalyse bei kitose Europos rinkose. 1987 m. įkurta bendrovė per automatizuotą technologijų platformą teikia vartojimo paskolas, kredito korteles ir elektroninės prekybos finansavimo sprendimus. Platforma sukurta taip, kad padėtų vykdyti lengvai plečiamą bankininkystės veiklą. Tarp bendrovės produktų yra nedidelės trumpalaikės paskolos kreditingiems klientams, o jos komandos dirba bankininkystės, finansinių technologijų ir skaitmeninės prekybos srityse.

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.

Aprašymas

  • 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

Reikalavimai

  • 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

Privalumai

  • 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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