Senior Credit Analyst

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.

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.

Requirements

• 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?
• One Last Thing
• 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.
• #LI-Hybrid #LI-Remote #LI-Onsite

Additional Information

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.

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