Credit Analyst

A leading European credit fintech, backed by top international investors and run by founders from investment banking and top-tier consulting, is expanding its credit team as the company continues to grow rapidly. Every financing decision, up to millions of euros per company, starts with this team’s analysis. You will assess growth-stage technology companies across Europe, write the credit memos behind each decision and work directly with the founders, who hold the team to the standard they knew from banking and consulting. No two borrowers look alike, so the work calls for real judgement rather than a scoring model, and the team is building AI models to scale that expertise. It is the investing side of credit, with equity in the company you help build. What You’ll Do:

• Analyze new and existing borrowers: growth, profitability, cash burn, retention, and overall credit quality
• Build financial models with operational drivers and scenario analysis
• Prepare credit memos and present recommendations for credit decisions
• Monitor the portfolio: covenants, early-warning signals and regular credit reviews
• Prepare data and reports for internal stakeholders and funding partners
• Improve and automate credit workflows using AI tools
• Join calls with borrowers’ management teams during due diligence

Requirements:

• Around 1–3 years of experience in investment banking, private equity, venture capital, venture debt, consulting, or bank/fintech credit
• Strong Excel skills
• Hands-on experience with AI tools such as Claude for analysis or everyday work
• Solid financial modelling and analytical reasoning; able to structure a credit view and explain it clearly
• Fast learner, comfortable picking up new business models quickly
• Fluent English
• Located in or near Stockholm or London

Why Join?

• Backed by top international investors
• Intellectually challenging credit work: every case needs real judgement, not only a scoring model
• A small, flat and very international team where everyone’s opinion counts
• Fast growth that creates real room for more responsibility
• A chance to shape how AI is used in credit decisions

Offer:

• Competitive base salary
• Stock options
• Wellness allowance
• Around a 40-hour working week with give-and-take flexibility
• Regular team gatherings and events
• Location: Stockholm, on-site around 4 days a week

Interview Process

• Teamence - HR Interview
• Co-Founder - Motivation, analytical thinking and fit
• Team Interview - Technical depth and culture fit

If you want your analysis to shape where capital goes, not just fill a pitch book or a slide deck, we look forward to your application.