Credit Decision Analyst

Full Time/Part Time Full Time Who We Are At Ikano Bank, we believe work should feel meaningful and inspiring. Together, we create a great place to work where people are inspired to be the best they can be while contributing to a better life for our customers and the long-term success of the Bank. Guided by our Swedish heritage and values: common sense and simplicity, working together and daring to be different, we keep things straightforward and down-to-earth. If you like the idea of being part of a team that works hard, enjoys solving challenges together and dares to do things a little differently, you will feel right at home here. Working in the Credit function means helping build a strong, responsible bank by setting smart credit strategies and promoting a culture of prudent risk management. It’s about supporting the business to grow safely and confidently, making a positive impact through sound and trustworthy decision-making. Purpose of the Job Join us at a key moment as we transform how we make credit decisions — becoming faster, smarter, and more data-driven. As a Credit Decision Analyst, you’ll work hands-on with decision engines, turning strategy and data into real-time decision logic that directly impacts customer outcomes and business performance. This is a high-impact role at the intersection of credit risk, analytics, and technology — with real ownership and the opportunity to shape the future of decisioning. Responsibilities of the Job - Design, implement, and maintain credit decisioning strategies within the bank’s decision engine

• Translate credit risk policies, models, and business strategies into decision rules and logic
• Monitor and analyze decision performance (e.g. decision outcome, approval rates, conversion) and identify optimization opportunities
• Support development and implementation of new credit strategies (e.g. underwriting, pricing, affordability)
• Collaborate with Credit Risk, Data Science, and Digital teams to ensure consistent and effective decision flows
• Ensure decision logic is documented, traceable, and aligned with internal governance and regulatory requirements
• Contribute to continuous improvement and automation of decision processes
• Support testing, validation, and deployment of decision strategies in line with agreed frameworks
• Act as a subject matter expert in credit decisioning and support stakeholders with insights and guidance

Education Level Bachelor's Degree Experience/Demonstrated Competencies - 2+ years of experience in credit risk, decisioning, analytics, or retail banking

• Experience working with credit decision engines
• Experience analyzing credit performance and supporting strategy development
• Proficiency in SQL, Python and/or data analysis tools
• Exposure to credit risk models, scorecards, or underwriting processes
• Experience working in cross-functional environments involving Credit and Digital

Language Competencies - Fluency in English Knowledge required - Understanding of credit risk strategy, underwriting principles, and credit lifecycle

• Hands on experience of Decision engine systems and rule-based systems
• Understanding of scorecards, risk models, and their application in decisioning
• Knowledge of key credit performance metrics (e.g. approval rate, default rate, profitability)
• Understanding of data structures and datasets used in credit decisioning
• Awareness of regulatory requirements and governance related to credit decisioning
• Understanding of testing frameworks and performance monitoring in decision strategies
• Knowledge of how decisioning interacts with customer journeys and commercial objectives

Capabilities for this job - Ability to translate analytical insights into clear and implementable decision rules

• Strong analytical skills with capability to assess and improve decision performance
• Capability to work with data using SQL, Python and/or analytical tools
• Structured and detail-oriented approach to ensure accuracy and robustness in decision logic
• Ability to manage multiple priorities and deliver in a fast-paced environment
• Strong communication skills, enabling effective interaction with both technical and business stakeholders
• Ability to collaborate cross-functionally to deliver end-to-end decisioning solutions
• Capable of identifying inefficiencies and driving process improvements.

What motivates you? - Strong ownership and drive to improve credit decisioning and customer outcomes

• Interest in translating data and analysis into practical decision strategies
• Proactive and solution-oriented mindset with focus on continuous improvement
• Highly collaborative approach, working across Credit, Digital, and Commercial teams
• Curiosity and willingness to challenge existing approaches to improve performance

Ready to apply? If this sounds like your kind of workplace, we would love to hear from you. You do not have to tick every single box. What matters most is your drive, your ideas and your willingness to grow with us. Our application process is simple. Just click on the Apply Button and we will get in touch with you soon. Apply today and let us build something different together. You want to know more about Ikano Bank? Check out our videos about culture, social/corporate responsibility and everyday working at the bank. For any questions, feel free to contact us at recruitment@ikano.se. Salary (per annum) According to the market Ikano Bank Benefits Annual Social Day for all Employees Favorable Conditions for Ikano Bank Products Applications Close Date 27 Nov 2026