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 – 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.

Aprašymas

  • 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.

Reikalavimai

  • 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.

Privalumai

  • 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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