At Bank Norwegian and Nordax Bank, we believe in simplicity, transparency, and technology-driven innovation. As part of NOBA Bank Group, we offer consumer loans, credit cards, savings accounts and insurance -- all made available through cutting-edge technology, automation, and seamless self-service platforms. With over 2 million customers across Norway, Sweden, Denmark, Finland, Germany, and Spain, we’re proud to be part of the largest independent specialist consumer finance lender in the Nordics -- and we’re just getting started.
Whether you're located in Oslo (Fornebu) or Stockholm (Gävlegatan 22), this is an opportunity to join a bank that is growing fast and shaping the future of consumer finance in Europe.

Our Credit & Analytics department is known for being the most forward-thinking in the Nordics, made up of talents from across the globe. Within this department, the Credit Underwriting & Decision Analytics unit focuses on continuously improving our automated underwriting processes and monitoring risk performance.

As our credit card portfolios across the Nordics grow in both size and complexity, we’re now looking for a Credit Card (CC) Risk Manager to join us on this exciting journey and help influence our future solutions. Credit underwriting is within the absolute core for a bank operating within unsecured lending. Working and coordinating with stakeholders from multiple departments are essential, and internally we simply refer to this role as having the day-to-day responsibility for “running the bank”.

What you’ll be doing
Having responsibility for CC portfolios from a credit analytics perspective
• Continuously analyze the portfolios to identify underwriting opportunities that drive smarter decisions
• Lead and coordinate cross-functional CC initiatives to improve underwriting strategies in close cooperation with key stakeholders
• Support strategic growth initiatives by conducting deep-dive analyses
• Contribute to model validation processes and ensure compliance with internal standards
• Identify untapped data opportunities and turn them into actionable insights
• Leverage your expertise in credit card business processes to refine and optimize customer experience
• Collaborate on other tasks within Credit Underwriting & Decision Analytics to support our continuous improvement journey

What we’re looking for
• Minimum 4 -- 5 years’ experience working with credit risk (preferably within the Nordic countries or Germany)
• Minimum 2 years’ experience with SQL programming
• Fluency in English (Scandinavian language skills is a plus)
• Strong communication skills -- ability to explain complex findings in an understandable way
• A degree in quantitative field (Economics, Statistics, Data Science or similar)

Nice to have:
• Working experience from using analytical tools such R, Python, SAS or Stata
• Exposure to cloud platforms (e.g. AWS, Azure, Databricks)

Who you are
Knowing it’s a lot to ask for, but if you are creative, curious and have strong analytical skills at the same time, we think you could make a huge impact on our business. You are eager to use data and willing to challenge and improve existing methods. You enjoy both working independently and collaborating closely with others. You have a strong work ethic and a passion for achieving outstanding results, always pushing yourself to exceed expectations.

What we offer!
• A dynamic, international and tech-driven workplace
• Significant responsibility and management exposure as a CC Risk Manager
• Great collaboration with experienced and supportive colleagues
• Competitive salary and benefits
• Flexible working hours and hybrid setup
• The opportunity to work with the best in the consumer finance industry
• A flat and informal organization with a startup mentality --- but with the stability of an established bank

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.

Practical information:

Start: In agreement

Location: Stockholm or Fornebu

Form of employment: Permanent with 6 months probation period

Extent: Full time

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! 🙏✨