Credit Risk Analyst, Danish Portfolio

Our Credit & Analytics department is known for being one of the most forward-thinking in the Nordics, made up of talents from across the globe. Within it, the Credit Underwriting & Decision Analytics unit focuses on continuously improving our automated underwriting processes and monitoring risk performance, always with an eye on what's next. About The Role As our unsecured portfolios grow in size and complexity, you help shape the future of our Danish portfolio. Credit underwriting sits at the core of an unsecured lending bank, and internally we simply call this "running the bank." You coordinate closely with stakeholders across departments. What You'll Be Doing

• Collaborate with business, product and cross-functional teams, bringing credit risk expertise into business decisions
• Work with data and data structures to build a strong foundation for monitoring and connect insights to business and risk outcomes
• Contribute to continuous improvement of credit risk strategies, tools and processes
• Develop and enhance data-driven monitoring and reporting for proactive risk management
• Understand how data flows through our systems to identify opportunities and improve decision-making
• Communicate findings and recommendations clearly to technical and non-technical audiences alike

Who We're Looking For You are creative, curious and analytically sharp, someone who enjoys challenging and improving existing methods with data. You see how data flows through business processes and use that to spot opportunities and create value. You thrive collaborating across backgrounds, motivated by tangible business impact. Beyond That, We're Looking For Someone With

• At least 5 years' experience in credit risk within the Danish market.
• Knowledge of credit bureau data, regulatory requirements and market-specific credit risk factors for Denmark.
• Strong analytical skills, with the ability to interpret complex data and present findings clearly.
• Strong communication skills, able to explain complex findings in an understandable way.
• Experience with analytical tools such as R, Python, SAS or SQL/Databricks.
• A degree in a quantitative field such as Economics, Finance, Statistics or Data Science.
• Fluency in English; Scandinavian language skills are a plus.

Nice To Have

• Familiarity with reporting tools such as Tableau or Power BI.
• Exposure to cloud platforms (e.g. AWS, Azure, GCP).

Start Practical information: Location: Extent Form of employment: Working Hours Hourly wage/fixed wage 💰 Have you heard of NOBAVERSE? In our NOBAVERSE, we value openness, trust, and diversity. Here, you can influence your own development and have fun along the way to achieving our goals – all in a workplace that’s a little extra bubbly! ✨ Read more about our employee value proposition on our careers page. Read more about how our recruitment process works in the FAQ. We care for your privacy and, with reference to the GDPR, would like to ask you not to include any sensitive personal data in your application, for examples information about ethnic origin, political opinions, religious beliefs or information about your health. Read more about how we handle your personal data here. If you have any questions or concerns about the position, please contact the responsible recruiter. We look forward to receiving your application! 🙏✨