TF Bank AB (publ) Skandinaviya mamlakatlari, Boltiqbo‘yi davlatlari va Yevropaning boshqa bozorlaridagi iste’molchilar hamda elektron tijorat bizneslariga xizmat ko‘rsatuvchi raqamli bankdir. 1987-yilda tashkil etilgan kompaniya keng ko‘lamli bank operatsiyalarini qo‘llab-quvvatlash uchun ishlab chiqilgan avtomatlashtirilgan texnologik platforma orqali iste’mol kreditlari, kredit kartalari va elektron tijoratni moliyalashtirish xizmatlarini taqdim etadi. Uning mahsulotlari kreditga layoqatli mijozlar uchun kichik summali, qisqa muddatli kreditlarni o‘z ichiga oladi, jamoalari esa bank ishi, fintech va raqamli savdo yo‘nalishlarida faoliyat yuritadi.
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.
Tavsif
- 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
Talablar
- 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
Imtiyozlar
- 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