TF Bank AB (publ)
TF Bank AB (publ)
TF Bank AB (publ) este o bancă digitală care deservește consumatori și companii de comerț electronic din țările nordice, țările baltice și alte piețe europene. Înființată în 1987, compania oferă împrumuturi pentru consumatori, carduri de credit și finanțare pentru comerț electronic prin intermediul unei platforme tehnologice automatizate, concepute pentru a susține operațiuni bancare scalabile. Printre produsele sale se numără împrumuturi mici, pe termen scurt, pentru clienți solvabili, iar echipele sale activează în domeniile bancar, fintech și comerț digital.

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.

Descriere

  • 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

Cerințe

  • 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

Beneficii

  • 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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