Senior Credit Analyst

At Qred, we’re building the world’s best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Senior Credit Analyst for the next phase of growth.

About the Role

You will own the data strategy that drives our pre-collections policies, third-party collections performance, and Non-Performing Loan (NPL) divestments. This mission bridges the gap between technical execution and business impact by moving beyond operational reporting to directly influence our Loss Given Default (LGD) metrics. You will have end-to-end ownership of the data ecosystem that maximizes portfolio recovery value in close collaboration with our Finance and Credit Policy teams.

Key responsibilities

• Design and implement robust champion/challenger A/B testing frameworks to evaluate the recovery performance of third-party collection agencies.

• Analyze early-stage delinquency data to refine pre-collections policies and prevent roll-rates into deeper delinquency segments.

• Build quantitative data models to evaluate the pricing, segmentation, and optimal timing for NPL forward-flow and spot sales.

• Partner with the Credit Policy team to integrate downstream collections insights into automated early underwriting decisions.

• Establish standardized data exchange processes, governance frameworks, and performance KPIs with external collection parties and vendors.

What we’re looking for

We are looking for a data-driven specialist with a highly structured approach to optimizing financial systems. You have a proven ability to drive alignment across cross-functional teams and external vendors, translating complex analysis into actionable strategic narratives. You are motivated to build scalable frameworks that directly protect bottom-line performance in a fast-paced fintech environment.

Qualifications

• Several years of experience working with credit risk, collections analytics, or portfolio management within Fintech or Banking.

• Expert-level technical capability in SQL for data mining and structuring complex datasets from scratch.

• Experience building automated data visualization dashboards, preferably using Amazon QuickSight, Tableau, or PowerBI.

• Background in analyzing financial metrics such as Loss Given Default (LGD) and NPL portfolio valuation.

• It’s a plus if you have experience with Python for predictive modeling, statistical analysis, and automating data pipelines.

Why Qred?

This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from!

One Last Thing

This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately.

Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law.

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