Sökresultat för "Credit Risk"

Do you want to make a real impact by applying your analytical expertise to shape the future of risk-adjusted financial steering? In Swedbank you have the opportunity to: Use your senior expertise in credit risk and/or capital management to address complex challenges and make a real impact in the business-critical area of risk-adjusted financial steering. Lead and take ownership of activities related to development of new models and methods for capital allocation and risk-adjusted profitability management in the Swedish corporate banking business. Leverage large-scale, complex datasets to perform quantitative analysis and derive actionable insights, strengthen model performance and enhance steering capabilities. Drive change initiatives within the capital domain, ensuring effective collaboration with colleagues across the business area Corporate & Institutions and Swedbank’s central group functions (Risk, Treasury and Finance). What is needed in this role: A degree in engineering, mathematics, statistics, economics or a related quantitative field. 5+ years of experience from analytical roles within credit risk, modelling (IRB/IFRS 9), ICAAP, stress testing or capital management. Strong analytical skills combined with a genuine interest in business, and motivation to use data, models and insights to strengthen decision-making where risk, return and business value meet. You enjoy working with complex topics, take ownership of your deliveries and have a strong sense of quality and responsibility. You are eager to learn and committed to developing both your technical expertise and your business understanding. As a person, you are collaborative, solution-oriented and transparent. You contribute positively to the team, communicate clearly with different stakeholders and are comfortable challenging assumptions when needed. With us, you can experience: Personal and professional growth through self-leadership and continuous development. Meaningful work that positively impacts our workplace, our customers, and society. An open and collaborative culture that encourages cross-functional teamwork and provides networking opportunities. A supportive and inclusive environment that promotes a balanced and sustainable work-life, with flexible working conditions when suitable for the role. Benefits such as our share based reward program Eken, company pension plan, employee offer for banking products, health insurance. "Join our team and... You’ll join a supportive and collaborative team that values both high-quality work and a positive team culture. We are a highly engaged and driven analytical team working together to enable long-term, sustainable profitability in the Swedish corporate banking business. Our focus is on delivering solutions that strengthen the business by improving risk-adjusted decision-making, capital efficiency and competitiveness." Elin Rapp, your future manager We look forward to receiving your application by 31.08.2026.  Location: Stockholm, Malmskillnadsgatan Recruiting manager: Elin Rapp We may begin the selection during the application period, so we welcome your application as soon as possible. We would like to let you know that a background check and a drug test may be a part of the process for this role. We have made our choice regarding recruitment media and therefore kindly decline contact with ad sellers or sellers of other recruitment services. Swedbank does not discriminate anybody based on gender, age, sexual orientation or sexual identity, ethnicity, religion or disability – everybody is welcome. #LI-SW1 #LI-Hybrid

Om uppdraget 🚀 Vi söker en senior Credit Risk Analyst till ett uppdrag inom bank. Du blir en nyckelperson i att analysera och följa upp finansiella risker i en global portfölj, med fokus på att identifiera trender och förbättra riskhanteringsprocesser. Uppdraget innebär nära samarbete med olika funktioner och ger möjlighet att påverka strategier kopplat till risk, tillväxt och effektivitet. Dina arbetsuppgifter 🧩 Analysera kreditrisktrender inom konsumentportföljer globalt Granska individuella kreditbeslut och ta fram insikter för underwriting-strategier Arbeta med SQL och Python för att granska och validera riskmodeller och beslutslogik Förbättra och automatisera återkommande riskuppföljning Genomföra djupanalyser inom bl.a. motpartsrisk, FX-risk, ränterisk och likviditetsrisk Samarbeta tvärfunktionellt med risk- och affärsteam Omvandla komplex data till konkreta förbättringsåtgärder Förväntade leveranser 📦 Datadrivna analyser av kreditrisk och finansiella risker Identifierade risktrender och förbättringsförslag Validering av riskstrategier och modeller Automatiserade processer för riskuppföljning Beslutsunderlag som balanserar risk och tillväxt Din profil 🎯 Kandidatexamen inom finans, ekonomi, matematik, data science eller liknande Minst 4–5 års erfarenhet inom risk management, kreditrisk, treasury eller konsult/audit inom finans God förståelse för finansiella risker i finansiella institutioner Meriterande färdigheter ⭐ Stark SQL-kompetens och vana att arbeta med stora datamängder Erfarenhet av Python i analys- eller riskarbete Erfarenhet av automatiserade beslutsmotorer eller kreditmodeller Erfarenhet från bank eller finansiella tjänster Personliga egenskaper 🤝 Analytisk och datadriven Självständig och initiativtagande Kommunikativ med förmåga att förenkla komplex information Nyfiken och lösningsorienterad Övrig information 📍 Plats: Stockholm (2–3 dagar/vecka på kontor) Omfattning: Heltid Start: Inom 1 månad / ASAP Period: 4–6 månader (stor chans till förlängning) Språk: Engelska (flytande) Sway Sourcing är en innovativ rekryteringspartner som specialiserar sig på att matcha rätt talang med rätt företag – snabbt och effektivt. Vårt huvudfokus ligger inom Ekonomi, Administration, HR, Marknad och IT, men vi har även den breda expertis och flexibilitet som krävs för att leverera skräddarsydda rekryteringslösningar inom alla branscher. Trots att vi är en relativt ny aktör har vi redan byggt förtroende hos många av Sveriges största företag och arbetar både nationellt och internationellt. Med baser i Sverige och Spanien erbjuder vi en unik kombination av lokal expertis och global räckvidd. Vårt starka nätverk och djupa branschinsikter gör oss till en självklar partner för företag som vill ligga steget före i sin rekrytering.

About 1st Formations At 1st Formations, we empower entrepreneurs to start, run, and grow their businesses with confidence. Running a business shouldn’t be slowed down by company formation, statutory compliance, accounting, or payroll. From day one, these essentials should be seamless, reliable, and intelligently handled — freeing founders to focus on building and scaling. We’re a leading UK provider of company formation and compliance services, building a modern, fully integrated technology platform that supports founders at every stage of their journey. Our platform brings together formation, compliance, accounting, payroll, and ongoing business support in one cohesive experience. No stitched-together services. No legacy workflows disguised as software. Just a single, scalable platform built for ambitious founders who want to move fast, stay compliant, and grow with confidence. Why Join Us Now? You’ll be joining a business with strong momentum, clear direction, and real opportunity for progression. * £18m annual revenue, including £9m ARR * Over 1 million companies formed * Certified B Corp and Carbon Neutral Business * Forecast to grow 5x–10x over the next three years The Role We're looking for a proactive Credit Controller to join BSQ Group, working closely with our accountancy-as-a-service arm to manage collections, credit risk, and client account health across a growing portfolio of SME and startup clients. This is a hands-on role suited to someone who thrives in a fast-paced, scaling business and is comfortable balancing firm-but-fair collections with the kind of client relationship management that protects long-term retention. Key Responsibilities * Manage the end-to-end collections process for a portfolio of client accounts, chasing outstanding invoices via phone and/or email. * Reconcile customer accounts and resolve queries or disputes in collaboration with the accountancy service delivery team * Monitor aged debt reports and proactively flag at-risk accounts, escalating in line with credit control policy * Set appropriate credit limits and payment terms for new and existing clients, working with onboarding and sales teams * Liaise closely with the Accountancy-as-a-Service team to ensure billing accuracy and resolve any discrepancies between service delivery and invoicing * Maintain accurate, up-to-date records of collections activity, promises to pay, and account notes in the finance system * Produce regular debtor reports and cashflow forecasts for the finance leadership team * Negotiate payment plans for clients in financial difficulty, balancing commercial sensitivity with cash collection targets * Support month-end close by ensuring debtor ledger accuracy and minimising bad debt provisions * Identify process improvements to reduce DSO (Days Sales Outstanding) and improve collections efficiency What We Are Looking For * Proven experience in a credit control or collections role, ideally within a B2B, subscription, or professional services environment * Experience working with or alongside accountancy, bookkeeping, or financial services products is highly desirable * Strong communication and negotiation skills, with the ability to manage difficult conversations professionally * Confident using accounting/finance software (e.g. Xero, Sage, or similar) and comfortable with Excel/Google Sheets for reporting * A commercially minded approach - understanding that credit control decisions can affect wider client relationships * Highly organised, with strong attention to detail and the ability to manage a high volume of accounts * CICM qualification (or working towards) is a plus but not essential * A collaborative mindset, comfortable working cross-functionally with accountancy, sales, and onboarding teams What We Offer * £32-35k and comprehensive benefits package * Hybrid working model * Real opportunities for progression as the business scales * The chance to influence both customer experience and product development * A culture that values ownership, impact, and continuous learning Equal Opportunities 1st Formations is an equal opportunity employer and is committed to creating a diverse and inclusive workplace. We consider all applicants for employment without regard to race, colour, religion, sex, national origin, sexual orientation, age, citizenship, marital status, criminal history, disability, or gender identity. We encourage individuals from all backgrounds to apply. If you have a disability or special need that requires accommodation, please let us know.

Northmill Bank is a challenger bank at the intersection of technology and finance, committed to revolutionizing the way people manage and protect their financial well-being. We are creating a different kind of banking experience, digital yet personal. Northmill Bank was founded in 2006 and has grown to over 240 employees in 3 countries, 4 000 merchants and 600 000 end users. We use the latest technology to develop safe, smart, and user-friendly products for our customers. They are the sole reason why we do what we do. We are a 100% cloud-based product company where technology is the driver to create smarter banking products. Grab this opportunity to be a part of us and our journey! About the role We’re now looking for a Credit Analyst to join our growing Credit team at Northmill. As part of our international expansion, Northmill is entering the German market, and this role will be one of the first key hires in that journey. You will play a central role in building and optimizing our credit strategy in Germany, ensuring sustainable and profitable growth from the very start. This is a unique opportunity to shape credit policies, influence portfolio performance, and contribute to establishing Northmill as a strong player in a new market. You will report to the Head of Credit Risk for B2C. Responsibilities Analyze and monitor the entire credit cycle to continuously optimize the bank’s credit policies Use data-driven insights to propose enhancements that improve portfolio performance and manage credit risk Present recommendations to the Credit Committee and follow up on the outcomes of approved changes Track and evaluate lending portfolios from new account origination through collections, addressing deviations from expectations Collaborate with Data Scientists and Data Engineers to develop credit models and ensure the bank’s data infrastructure effectively supports analytical and credit needs Work cross-functionally with Product and Marketing to balance growth and risk Represent the Credit department in wider business projects and initiatives Who you are You have a strong analytical mindset, excellent attention to detail, and the ability to communicate complex insights in a clear and actionable way. You’re curious, proactive, and comfortable making recommendations even when all the data isn’t perfect. You enjoy working in a dynamic environment and are motivated by the opportunity to build something new and make a tangible impact from day one. Qualifications Bachelor’s or Master’s degree in a relevant field At least 2 years of experience as a Credit Analyst, Data Analyst, or in a similar analytical role Direct experience with the German consumer credit market Fluency in German and English Proficiency in SQL or Snowflake for data querying and manipulation What we offer A fantastic office in a prime Stockholm location with great spaces and views An independent role with the opportunity to make a real impact Great opportunities for professional development Health - 5 000 kr health care allowance Conference abroad every other year Breakfast and fruits every day, as well as "holy fika” each Friday Regular after work and celebrated successes at the office Apply today and be a part of Northmill!

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. 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. Key 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. What we’re looking for We are looking for a data-driven specialist with a highly structured approach to optimizing financial systems. You have a proven ability to drive alignment across cross-functional teams and external vendors, translating complex analysis into actionable strategic narratives. You are motivated to build scalable frameworks that directly protect bottom-line performance in a fast-paced fintech environment. Qualifications 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? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. 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

Northmill Bank is a challenger bank at the intersection of technology and finance, committed to revolutionizing the way people manage and protect their financial well-being. We are creating a different kind of banking experience, digital yet personal. Northmill Bank was founded in 2006 and have grown to over 240 employees in 3 countries and over 270 000 customers. We use the latest technology to develop safe, smart, and user-friendly products for our customers. They are the sole reason why we do what we do. We are a 100% cloud-based product company where technology is the driver to create smarter banking products. Grab this opportunity to be a part of us and our journey! About the role We are looking for an experienced Product Manager – B2C Credit with a strong commercial background and proven track record in consumer lending to take ownership of our revolving credit facility and consolidation loan products. This role is central to the continued growth of our consumer lending business. We are looking for someone who has built, managed, and scaled lending products in practice; not simply worked alongside them. You will be responsible for defining the strategy and roadmap for our consumer credit products, working closely with credit risk, analytics, marketing, technology, customer operations, and compliance. The ideal candidate understands consumer lending economics, portfolio performance, customer behaviour, and risk management, and can balance commercial growth with responsible lending. This is not a purely technical product role. We are specifically seeking a commercial product leader who understands consumer lending end-to-end, from customer acquisition and underwriting through pricing, portfolio optimisation, repayments, and retention. Responsibilities Own and drive the product strategy and roadmap for Northmill's revolving credit facility and consolidation loan products, with a clear focus on sustainable growth, customer value, and portfolio profitability. Continuously improve the customer journey across the entire lending lifecycle, including acquisition, application, underwriting, activation, utilisation, repayment, and retention. Work closely with Credit Risk, Analytics, Finance, Marketing, Customer Operations, Compliance, and Technology to deliver commercially successful and compliant lending products. Translate customer insights, market opportunities, portfolio performance, and business objectives into clear product priorities and development initiatives. Monitor and optimise key commercial metrics including approval rates, utilisation, portfolio growth, repayment behaviour, customer lifetime value, default rates, margins, and profitability. Identify opportunities to improve underwriting, pricing, credit limits, customer engagement, and portfolio performance using data-driven decision making. Ensure products remain competitive by understanding customer needs, market trends, regulatory developments, and competitor offerings. Actively engage with customers and internal stakeholders to validate product-market fit and identify opportunities for innovation and continuous improvement. Who you are You're a commercially minded Product Manager with a passion for building lending products that create value for both customers and the business. You thrive in cross-functional environments, enjoy turning data and customer insights into product decisions, and know how to balance growth, customer experience, risk, and profitability. You're comfortable challenging existing ways of working and driving initiatives from idea to launch and continuous optimisation. To succeed in this role, you'll likely have Proven experience as a Product Manager within consumer lending, with a track record of launching, growing, and optimising lending products. Strong experience with revolving credit, personal loans, or other unsecured consumer credit products. A solid understanding of consumer credit risk, underwriting principles, pricing, lending economics, and portfolio performance. Experience working in fintech, banking, consumer finance, or another regulated financial services environment. A data-driven mindset with strong analytical skills and experience using insights to prioritise and improve products. Excellent stakeholder management skills and the ability to collaborate across Product, Engineering, Credit Risk, Analytics, Commercial, and Operations. Good to Have Experience with revolving credit facilities, consolidation loans, instalment lending, or other unsecured lending products. Experience working with behavioural scoring, affordability assessments or decision engines. Experience optimising digital customer acquisition funnels and lending conversion journeys. Knowledge of Nordic consumer lending markets and financial regulations. What we offer A fantastic office in a prime Stockholm location with great spaces and views An independent role with the opportunity to make a real impact Great opportunities for professional development Health - 5 000 kr wellness allowance Conference abroad every other year Breakfast and fruits every day, as well as "holy fika” each Friday Regular after work and celebrated successes at the office Apply today and be a part of Northmill!

Location: Stockholm, Sweden Language Requirement: Native-German Work Hours: Monday–Friday, 08:00–17:00 (1 weekly WFH day) ---------------------------------------------------------------------------------------------------------------------------------- HELP PEOPLE TAKE CONTROL OF THEIR FINANCES — JOIN US AT ANYFIN At Anyfin, we believe financial power belongs in the hands of the people. Since 2017, we’ve helped customers across Sweden, Finland, Norway, and Germany save millions by refinancing expensive consumer credit. And we’re just getting started. With new markets, new tools, and new products ahead, we’re on the lookout for more brilliant minds and big hearts to grow our Operations team. We’re now hiring a German-speaking Operations Agent who’s eager to make a real impact on customers’ financial health - every single day. ---------------------------------------------------------------------------------------------------------------------------------- ⭐ WHAT YOU’LL BE DOING As an Operations Agent, you become a key player in our core operations. Your work will directly shape the customer experience and the success of our mission. Your responsibilities: * Communicate with customers across email, chat, phone, and social media * Ensure top-quality customer experience - every interaction counts * Follow credit policies and regulatory standards with precision * Handle administrative tasks, including AML/KYC checks, customer verification, and regulatory documentation * Analyze and evaluate credit applications to produce responsible, transparent offers * Suggest and implement improvements to processes, tools, and workflows * Collaborate closely with a supportive, energetic, cross-functional team ---------------------------------------------------------------------------------------------------------------------------------- 🌟 WHO YOU ARE You’re in the early to mid stages of your career, combining enough experience to make confident decisions with a strong hunger to grow within fintech. YOUR BACKGROUND You likely have 1-4 years of experience in: * Customer service (banking, fintech, insurance, telecom, travel, or similar) * Credit risk assessment, AML/KYC, financial services, or advisory roles * Sales or support environments where empathy and communication are key You don’t need to be senior - but you do bring maturity, ownership, and reliability to every task. ---------------------------------------------------------------------------------------------------------------------------------- 🧠 SKILLS & COMPETENCE LANGUAGES * Native-level German * Fluent English * Bonus: Swedish or Finnish TECHNICAL & ANALYTICAL SKILLS * Excellent communication skills across written and spoken channels * Strong attention to detail and comfort working in regulated environments * Ability to assess creditworthiness quickly and accurately Comfortable interpreting financial data and customer information * Familiarity with AML/KYC or a willingness to learn * Familiarity with AI ---------------------------------------------------------------------------------------------------------------------------------- 💛 MINDSET & PERSONALITY You thrive in a role where customer impact is real and immediate. You are: * Customer-obsessed — motivated by helping people improve their financial lives * Fearless & proactive — you take initiative and challenge how things can be improved * Positive & team-oriented — uplifting the people around you comes naturally * Structured yet adaptable — you follow processes while embracing change * Multitasking-friendly — you enjoy switching between service, analysis, and admin tasks ---------------------------------------------------------------------------------------------------------------------------------- 🚀 WHAT DRIVES YOU * Growing your career in fintech * Working ethically and helping customers regain financial control Being part of an ambitious, international, mission-driven team * Making real impact - not just executing routine tasks ---------------------------------------------------------------------------------------------------------------------------------- 🎁 WHAT WE OFFER * A modern office in central Stockholm * A diverse team from all over the world * Real opportunities for learning, development, and career progression * A supportive and high-performing Communications & Operations team * Breakfast, after-work hangouts, wellness perks, and top-tier tech gear * A workplace that values curiosity, innovation, and continuous improvement This is your chance to join a bold fintech company transforming financial health and to grow alongside a team that’s only getting started. READY TO MAKE A DIFFERENCE? We can’t wait to meet you. Apply today and help us build a fairer financial future for everyone.

Are you a driven and energetic team player, with a passion for accounting and excited to challenge and impact? Do you thrive in a fast-paced environment where your contributions truly matter? If you're looking for a role that combines challenge, growth, and the chance to be part of something exciting—here’s an opportunity! We are now looking for an engaged and proactive Accounts Receivable (A/R) Coordinator to join our team and contribute to our continued success. In this role, you’ll play a key part in driving our financial operations forward while developing your skills in a supportive and dynamic workplace. Title: A/R Coordinator (parental leave cover Sept 2026 - Dec 2027) Reports to: Financial Operations Manager Working hours: Full time 40h/w, 3-2 office policy Key tasks & overall responsibilities Accounts Receivables Operations Managing daily A/R operations and development of ways of working, inc onboarding, training and knowledge securing Credit and VAT checks of customer ledgers Controlling bad debt exposure and maintaining strong cash flow Ensuring compliance with the corporate credit policy and actively initiating collection processes Determine and monitor credit ratings of the customer portfolio for changes, trends and warning signs Action planning of Outstanding Net Sales for accounts on hold Plan, execute and report delivery plans prior and during main collection delivery window opening Administration of financial email inboxes Proforma Customer handling process KEY account handling and reflection of agreements inc EDI set-up and admin Coordinate cross functional meetings with internal stakeholders such as Sales Dep, Wholesale Coordinators and Logistics to keep organization updated on potential credit risks and exposures Point of contact for financial queries and requests Actively initiate and support finance-related projects and continuous process improvements Application owner of A/R function and processes in ERP system Business Central inc Batch Invoicing Job, Reminders, Finance Charge Memos, Statements etc Sub-ownership of QlikView A/R application Monthly – and quarterly closing process Balance sheet reconciliations and aligned Customer Ledgers Monthly Consolidated Customer Summary Aging reporting + Collection List Create reserves, accruals and provisions Concession accounts manual invoicing Bank account reconciliations Bad debt calculation model and accrual Sales Commission calculation and reporting towards Sales Agents Projects Continuously elevate the role’s efficiency by optimizing processes within A/R function, introducing innovative solutions and providing internal support for broader projects in the business. Fine-tuning and development of A/R processes and tools in amongst other systems, Business Central Profile and qualifications to succeed in this role Minimum 2 years of experience in a similar finance role, ideally within retail or consumer goods Experience within A/R operations and collection processes B2B Experience from MS Business Central and/or Microsoft Dynamics NAV is meriting Comfortable in navigating deadlines and working closely with multiple stakeholders General proficiency in Microsoft Excel Fluent in Swedish and English, both written and spoken Interest and proven track record in optimizing ways of working and automatization of processes Problem-solving with a hands-on mind-set and a strong team player As part of a J.Lindeberg Team we are all from time to time involved in cross functional and collaborative projects of different character. J.Lindeberg Values As part of J.Lindeberg you are an ambassador for J.Lindeberg and inspire our partners by living our Values Progressive - We strive to be at the forefront and we dare to challenge the status guo. It comes from our Scandinatian heritage – we are innovators within apparel, use of resources and way of working. Energetic-We are bringing energy into everything we do, we are entrepreneurial and agile. We are ready to do more and better each time. It makes our brand vibrant and magnetic. Inclusive - We are a people company. We are diverse and responsible. We act with integrity and take full accountability for what we do. We are a global community. We care for the planet and each other Are you ready to bring your passion and precision to J.Lindeberg? If you're ready to grow with a company that values bold ideas, sharp minds, and a collaborative spirit, we’d love to hear from you! Apply with your CV and personal introduction, in English, by the 2026/02/28. Applications are reviewed continuously, grab the opportunity to be a part of our movement and journey towards continued success by submitting your application today!

Ready to do the most impactful work of your career? At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase. As an Analyst, Business Controller on the Business Controllers team within Coinbase's Accounting organization, you'll serve as Finance's "One-DRI" for product launches that have financial impact. This team acts as the central coordinator bringing together accounting, tax, treasury, credit risk, and operations to ensure new products launch without compromising financial integrity, audit readiness, or regulatory compliance. You'll evaluate new trade strategies and product launches across Coinbase's crypto product suite, determine impacts for Finance, and drive cross-functional implementation from scoping through go-live. What you'll do: * Partner with finance stakeholders, business leads, and cross-functional teams to evaluate new trade strategies, determine finance requirements, and coordinate implementation across accounting, tax, treasury, and operations * Serve as a trusted advisor to the business by navigating the Finance organization on their behalf, reducing friction in product launches, and ensuring the right stakeholders are informed and consulted at each stage * Produce high-quality documentation of fund flows, key financial risks, and accounting treatment decisions, and deliver regular status updates to executive management * Scope, design, and implement financial controls in partnership with business and process owners to address key risks and ensure operating effectiveness for audit and regulatory readiness * Collaborate with external vendors and IT partners to automate manual processes and build scalable workflows that support Coinbase's growing product portfolio Required Skills and Experience: * 5+ years of experience in finance, accounting, or controllership, with direct exposure to crypto exchanges, fintech, or financial services product operations * CPA certification (or in progress) with a foundation in technical accounting, preferably including Big 4 public accounting experience * Proven ability to coordinate cross-functionally across accounting, tax, legal, treasury, and operations teams to drive product launches from scoping through go-live * Demonstrated experience scoping and implementing financial controls to address key risks in new or evolving business processes, including documenting fund flows and accounting treatment decisions * Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality. #LI-Remote Job ID: P76255 Pay Transparency Notice: The target annual base salary for this position can range as detailed below. Total compensation may also include equity and bonus eligibility and benefits (including medical, dental, and vision). Annual base salary range (excluding equity and bonus): £78,840—£87,600 GBP * Application Limit: Candidates may submit a maximum of 3 applications within a 6-month period. * Equal Opportunity Employer: Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws. * US Applicants: View Employee Rights, Know Your Rights, and E-Verify Notice of Participation. * Accommodations: If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com. Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial. * Data Privacy & Arbitration: By submitting your application, you agree to our Candidate Privacy Notice. US applicants: By submitting your application, you agree to Arbitration of Disputes.

Key Account Manager B2B Swedish Nutra AB - Malmö, Sweden About Swedish Nutra Swedish Nutra is a Malmö-based family company and one of the Nordics’ leading manufacturers of premium liquid vitamins and nutritional supplements. We offer private label/ white label production and are the makers of the Swedish Collagen and Swedish Nutra brands, sold in over 37 countries worldwide. We’re a fast-growing business with global distribution, a warm and international team, and an enterprising environment where people get real room to develop and grow. This role is part of a planned expansion of our commercial team. We are looking for an experienced Key Account Manager to own and grow a portfolio of key accounts: retail chains, distributors and private label clients, across the EU/UK and selected export markets. About the role This is a senior, commercially independent B2B role. You will be the owner of your accounts, not a first point of contact passing things on. You negotiate pricing and terms, close contracts, and lead private label projects from customer brief to launched product. You represent Swedish Nutra toward some of our most important customers, and internally you are the commercial voice for your portfolio. It’s a role for someone who has done this before and wants real mandate and real results to show for it. What you’ll own Key accounts: full ownership of retail chains, distributors and private label clients. Including pricing, negotiation, contracts, exclusivity and payment terms within an agreed mandate Private label projects: leading custom formulation requests from brief to quote, sampling and signed order, together with our product development team New business: qualifying and closing larger inbound leads, and turning one-off buyers into long-term partners Export practicalities: coordinating with our logistics and regulatory colleagues on shipping requirements, certificates (COA, Halal, CPNP and similar) and market-specific compliance Commercial judgment: assessing credit risk, payment terms and growth opportunity across your portfolio What we’re looking for Experience is required for this role: 3+ years in B2B key account management or export sales. Experience in supplements, food, FMCG or pharma is a strong plus Proven negotiation experience with distributors or retail chains Private label / contract manufacturing experience is a strong plus Structured and detail-oriented: comfortable with contracts, price lists, specifications and certificates Independent: you make the decisions within your mandate and own the follow-through Fluent English: English is our working language; additional languages are a plus given our international customer base What we offer A senior role with real mandate in a fast-growing international company with global distribution Key accounts and results that are visibly yours from day one A warm, collaborative workplace in Malmö and room to grow as the company grows Competitive salary (base salary + commission) Occasional travel for customer meetings and trade fairs in Europe How to apply Send your application to hr@swedishnutra.com Important: add job title "Key Account Manager" in the subject line when applying. Please include your CV and a personal letter. Answer this question in your personal letter: "Every good key account manager has one negotiation story they still tell at dinner parties. Tell us yours: what was at stake, what did you move to get the deal done, and how did it end? Numbers welcome." Max 150 words. Start date: by agreement. We respect notice periods. Workplace: Swedish Nutra AB, Lodgatan 19, 211 24 Malmö. Selection is ongoing.

As a Data Engineer at Kreditz, you will have a multifaceted and vital role. You will step into one of Europe’s fastest-growing FinTech scaleups and take full ownership of the company’s Data Warehouse, pipelines, and reporting enablement. We believe this role is perfect for someone who loves building scalable data infrastructure and wants to work close to both product and real business impact. Here, you will become part of a driven organization with endless opportunities for growth! About the role You will be part of the Product team and play a crucial role in Kreditz’s continued growth journey. At Kreditz, data is not just a support function – it is the core of the entire product. The company turns raw bank transactions into real-time insights that power credit and risk decisions across Europe. As a Data Engineer, your mission is to build, evolve, and maintain a scalable, reliable, and high-performing data platform. You will work closely with the business to strengthen the data foundation and enable smart, cost-efficient reporting and analytics for both internal and external stakeholders. What Kreditz Offers You A unique growth journey: The chance to be part of a once-in-a-lifetime journey from startup to global scaleup. Real impact: A role where everyone in the team plays a crucial part in the company’s success, and where you get true ownership of the data infrastructure. A strong company culture: A fun-loving, driven, and passionate work environment that celebrates progress, humility, and teamwork – we win together. Perks & Benefits: 24/7 access to a gym, sauna, and sports facilities at the office, plus a wellness allowance and a competitive base salary. Work tasks You will be responsible for the end-to-end data lifecycle, from maintaining the DWH architecture to ensuring data quality for both analytical and operational needs across the company. Maintain and enhance the Data Warehouse architecture for scalability and cost-efficiency Design and build robust ETL/ELT pipelines within the AWS ecosystem Automate internal reporting and create self-service data environments for stakeholders Manage AWS services including Glue, Redshift, Athena, and Lambda Implement monitoring and validation frameworks to ensure data integrity Collaborate with DevOps and Backend teams to align infrastructure Support AI and ML models by assisting with specialized data pipelines We are looking for BSc / MSc in a quantitative subject, i.e., Physics, Engineering, Mathematics, Computer Science or equivalent. Proven experience working as a Data Engineer or in a similar role focusing on data infrastructure. Strong practical engineering skills with a solid foundation in SQL and programming (e.g., Python). Strong hands-on experience with AWS (specifically services like Redshift/Snowflake, S3, Glue, and Lambda). Solid understanding of data warehousing concepts (e.g., Star Schema, Kimball) and modern data stack tools. Experience with orchestration tools (e.g., Airflow, Dagster) and CI/CD workflows (i.e., GitHub Actions). Ability to translate complex technical data structures into clear insights for non-technical stakeholders. Professional fluency in English, both written and spoken, as this is the company’s working language. It is meritorious if you have Experience with Infrastructure as Code (Terraform). Experience from FinTech, Open Banking, or working with highly regulated data. Familiarity with BI tools (e.g., AWS QuickSight, PowerBI...etc) To succeed in the role, your personal skills are: Orderly Stable Responsible Intellectually curious Our recruitment process This recruitment process is handled by Academic Work and it is our client’s wish that all questions regarding the position is directed to Academic Work. Our selection process is continuous and the advert may close before the recruitment process is completed if we have moved forward to the next phase. The process includes two tests: one personality test and one cognitive test. The tests are tools to find the right talent for the right position, to enable equality, diversity, and a fair process.

WHAT WE DO AT QLIRO At Qliro we deliver safe and simple payments. We are a dedicated partner to our merchants who serve their customers every day. We believe that if our merchants grow, we grow. We are a company of dedicated, friendly and highly competent people that together have redefined what Qliro and payments can be. We are now on a journey of scaling our business both here in Sweden and the Nordics. WHAT YOUR TEAM DOES Do you want to own the product behind every credit and fraud decision Qliro makes? We’re looking for a senior Product Manager to lead our Credit & Fraud team, our platform that protects Qliro’s payment flows through credit assessments and fraud detection, while keeping the customer journey smooth. Credit & Fraud is a backend-focused, in-house team responsible for our credit engine, our integrations with credit information providers, our fraud detection capabilities, and the internal interface our fraud officers use to investigate cases. It sits squarely on the transactional payment path, processing tens of thousands of credit and fraud checks every day under strict requirements for speed, accuracy and uptime, and runs a containerized microservices architecture with daily production deployments. This is a team that delivers reliably and has real room to grow into a more proactive, roadmap-driven way of working. That’s where you come in: you’ll set the direction for the tech team, build its roadmap, and bring our Credit-, Fraud- and Tech-teams together so that lending and risk decisions and the platform that runs them move forward as one. WHAT YOU WILL DO: • Own and set the roadmap, vision and KPIs • Lead an in-house backend development team and follow an agile way of working together with them • Build bridges between our Data- Credit- , Fraud- and Tech- team, turning a range of stakeholder needs into one clear plan • Be the expert on how credit assessment and fraud detection work at Qliro — the credit engine, the provider integrations, and the products they power. • Protect the speed, accuracy and uptime the payment path depends on, while moving the roadmap forward • Use qualitative and quantitative insight to improve credit and fraud outcomes WHAT YOU'LL BRING TO THE TEAM: • A senior PM with a track record of owning backend or platform products, ideally ones on a critical path • Strong at stakeholder management, turning demanding senior stakeholders into alignment • Comfortable using AI in your daily work and keen to drive innovation with it — we work with Claude, and we expect our PMs to lead the way • Experienced building products in an agile team • Experienced with credit issuance / lending — you understand how credit decisioning works and the stakeholders around it is beneficial • Experienced within fast moving tech companies and/or financial services, where lending or fraud/risk experience is a clear advantage • Fluent in spoken and written English and Swedish WOW in everything we do Qliro is the place for you who are curious, passionate and love collaboration. Together we have the power to create wow in everything we do. Feel comfortable being you, bringing your own unique perspectives. At Qliro there’s a place for you whoever you are — differences are a strength. We love flexibility and remote work, and we also believe in the power of meeting in real life. With a mix of working remotely and collaborating in the office, we believe in a flexible workplace that suits both you and Qliro. DOES THIS SOUND LIKE YOUR NEXT ROLE? WHAT ARE YOU WAITING FOR - APPLY NOW!  ---------------------------------------------------------------------------------------------------------------------------------- Qliro is an equal opportunity employer. All qualified applicants will be considered for employment without regard to gender, gender identity or expression, national origin, religion or other beliefs, disability, sexual orientation or age.

What we do at Qliro At Qliro we deliver safe and simple payments. We are a dedicated partner to our merchants who serve their customers every day. We believe that if our merchants grow, we grow. We are a company of dedicated, friendly and highly competent people that together have redefined what Qliro and payments can be. We are now on a journey of scaling our business both here in Sweden and the Nordics. What your team does We’re looking for a Senior Tech Lead to own the technical direction of our Credit & Fraud team, the team at the center of Qliro’s Pay Later platform. What we do here shapes whether customers can pay in a way that actually works for them, and whether we protect them from taking on debt they can’t handle. It’s a dual responsibility, and we take both sides seriously. We’re rebuilding the next generation of this system from the ground up, designed to handle a significant increase in transaction volumes as we scale. Part of what you’ll lead is making this platform ready to operate beyond the Nordics, so the architectural decisions you make now will need to hold up across multiple markets. We’re in the early stages of exploring how AI can help us make better credit and fraud decisions, and we’re honest that this is genuinely complex territory. Credit is one of the most regulated areas when it comes to AI: explainability, fairness, and auditability aren’t optional. We want someone who finds that complexity interesting, not someone who pretends it isn’t there. What you will do You’ll own the technical direction of the team and write production-grade .NET yourself, not occasionally, but regularly. You’ll make architectural decisions you can defend, drive performance and scale from the start, and treat observability and decision traceability as first-class concerns, not afterthoughts. Credit and fraud touch nearly everything at Qliro, which means you’ll work across a wide range of stakeholders: product, risk, compliance, other engineering teams. You’ll be the person who can hold a technical position in a room full of people with competing priorities, make a call under ambiguity, and bring clarity when there’s none. You’ll understand the regulatory and compliance landscape well enough to know what constraints you’re building within. You’ll set others up to succeed. Not in a formal, structured way, but in the way that actually matters: sharing hard-won knowledge, asking the right questions, and making the engineers around you better at their craft. What you'll bring to the team You’ve led technical work on systems where getting it wrong had real consequences, ideally in credit, fraud, risk, or payments, or in a high-transaction financial environment where you’ve developed that instinct. You’re comfortable operating in a heavily regulated environment and understand that compliance constraints aren’t obstacles to good engineering, they’re part of it. You understand that in this domain, correctness matters as much as speed, and you build accordingly. You’ve driven platform transformations before, not just worked on greenfield projects. You know what it means to move away from one system while keeping it running, and you bring the mindset to finish that job rather than work around it. You have opinions about what good looks like, production-grade code, observable systems, sensible tradeoffs and you’re not precious about being challenged on them. You’re comfortable being the one who decides when there’s no perfect answer, and you’re open to being wrong. You don’t wait for a perfect spec to start thinking. How we work Engineering ownership here is real. Engineers make calls that matter and are trusted to defend them. How your team works day to day — how often you’re in the office, how you structure your time — is something teams decide for themselves. We’re based in Stockholm, but we’ve found that trusting teams to figure out their own rhythm works better than a company-wide policy. Does this sound like your next role? What are you waiting for - apply now!  Qliro is an equal opportunity employer. All qualified applicants will be considered for employment without regard to gender, gender identity or expression, national origin, religion or other beliefs, disability, sexual orientation or age.

WHAT WE DO AT QLIRO At Qliro we deliver safe and simple payments. We are a dedicated partner to our merchants who serve their customers every day. We believe that if our merchants grow, we grow. We are a company of dedicated, friendly and highly competent people that together have redefined what Qliro and payments can be. We are now on a journey of scaling our business both here in Sweden and the Nordics. WHAT YOUR TEAM DOES We’re looking for a Senior Tech Lead to own the technical direction of our Credit & Fraud team, the team at the center of Qliro’s Pay Later platform. What we do here shapes whether customers can pay in a way that actually works for them, and whether we protect them from taking on debt they can’t handle. It’s a dual responsibility, and we take both sides seriously. We’re rebuilding the next generation of this system from the ground up, designed to handle a significant increase in transaction volumes as we scale. Part of what you’ll lead is making this platform ready to operate beyond the Nordics, so the architectural decisions you make now will need to hold up across multiple markets. We’re in the early stages of exploring how AI can help us make better credit and fraud decisions, and we’re honest that this is genuinely complex territory. Credit is one of the most regulated areas when it comes to AI: explainability, fairness, and auditability aren’t optional. We want someone who finds that complexity interesting, not someone who pretends it isn’t there. WHAT YOU WILL DO You’ll own the technical direction of the team and write production-grade .NET yourself, not occasionally, but regularly. You’ll make architectural decisions you can defend, drive performance and scale from the start, and treat observability and decision traceability as first-class concerns, not afterthoughts. Credit and fraud touch nearly everything at Qliro, which means you’ll work across a wide range of stakeholders: product, risk, compliance, other engineering teams. You’ll be the person who can hold a technical position in a room full of people with competing priorities, make a call under ambiguity, and bring clarity when there’s none. You’ll understand the regulatory and compliance landscape well enough to know what constraints you’re building within. You’ll set others up to succeed. Not in a formal, structured way, but in the way that actually matters: sharing hard-won knowledge, asking the right questions, and making the engineers around you better at their craft. WHAT YOU'LL BRING TO THE TEAM * You’ve led technical work on systems where getting it wrong had real consequences, ideally in credit, fraud, risk, or payments, or in a high-transaction financial environment where you’ve developed that instinct. * You’re comfortable operating in a heavily regulated environment and understand that compliance constraints aren’t obstacles to good engineering, they’re part of it. * You understand that in this domain, correctness matters as much as speed, and you build accordingly. * You’ve driven platform transformations before, not just worked on greenfield projects. You know what it means to move away from one system while keeping it running, and you bring the mindset to finish that job rather than work around it. * You have opinions about what good looks like, production-grade code, observable systems, sensible tradeoffs and you’re not precious about being challenged on them. * You’re comfortable being the one who decides when there’s no perfect answer, and you’re open to being wrong. * You don’t wait for a perfect spec to start thinking. HOW WE WORK Engineering ownership here is real. Engineers make calls that matter and are trusted to defend them. How your team works day to day — how often you’re in the office, how you structure your time — is something teams decide for themselves. We’re based in Stockholm, but we’ve found that trusting teams to figure out their own rhythm works better than a company-wide policy. DOES THIS SOUND LIKE YOUR NEXT ROLE? WHAT ARE YOU WAITING FOR - APPLY NOW!  ---------------------------------------------------------------------------------------------------------------------------------- Qliro is an equal opportunity employer. All qualified applicants will be considered for employment without regard to gender, gender identity or expression, national origin, religion or other beliefs, disability, sexual orientation or age.

Portfolio Manager - Abu Dhabi Company: Pharo Management is a leading global macro hedge fund with a focus on Emerging Markets. Founded in 2000, the firm currently manages approximately $8 billion in assets across four funds. Pharo trades foreign exchange, sovereign and corporate credit, local market interest rates, commodities, and their derivatives.  Our investment approach combines macroeconomic fundamental research as well as technical analyses. Pharo has offices in London, New York, Hong Kong, and Abu Dhabi, and employs a diverse, dynamic team of 140 professionals representing over 20 nationalities and 30 languages. We are united by our founding values of excellence, curiosity, collaboration, respect, humility, and creativity.  We are passionate about what we do and are committed to attracting the best and brightest talent. Job description: We are looking for a talented and experienced Emerging Markets Portfolio Manager to work in our Abu Dhabi office.  The successful candidate will need to have a demonstrably strong track record of managing sizeable capital for a relevant period of time with a high Sharpe ratio. Responsibilities : * Develop and execute a clear, disciplined, and sustainable investment process that produces strong ideas. * Manage a portfolio in Emerging Markets credit, interest rate and foreign exchange instruments in accordance with established trading and risk parameters. * Collaborate and share market views with partners, other portfolio managers and research team. Required qualities and skills: * Proven track record of producing strong risk-adjusted returns. * Strong understanding of portfolio construction and risk management. * Excellent analytical and quantitative skills, with strong attention to detail. * Bachelor’s degree or Masters / PhD, preferably in a quantitative discipline. * Strong written and verbal communication skills. * Strong work ethic and team spirit. Work status and location * Full time in Abu Dhabi.

Are you driven by analytics, automation, and stopping fraud before it happens? Join our fintech bank and help us design the next generation of data-driven fraud prevention in Sweden. As a Fraud Analyst, you will work at the intersection of data science, risk, and real-time decisioning. You will develop, test, and optimize fraud detection models across lending, cards, and payments. Your analyses will directly influence risk appetite, customer experience, and portfolio performance. You will: Analyze large, complex datasets to detect fraud patterns and emerging attack vectors Develop and maintain fraud models, rules, and monitoring frameworks Build dashboards and reporting that translate risk signals into actionable insight Partner closely with Fraud Prevention, Credit Underwriting, IT, and Data Engineering Continuously improve automation, decision engines, and model performance This is a hands-on role in a fast-moving environment where your work directly impacts loss rates, approval rates, and customer trust. Who you are 5+ years’ experience in data science, analytics, or quantitative risk roles within a bank, fintech or related industry Strong knowledge of machine learning, statistical modeling, and model validation Advanced SQL and Python (R is a plus) Experience with BI and visualization tools (e.g. Power BI, Tableau, Qlik, SAS) Comfortable working with large datasets and production-grade decision systems Able to translate complex analysis into clear, business-driven recommendations Experience in financial fraud prevention or fraud risk management is highly meriting You are analytical, commercially minded, and motivated by solving adversarial problems in real time. You thrive in a fintech environment where speed, ownership, and impact matter. Resurs in brief At Resurs, we make everyday finances easier through innovative and customer-focused solutions. With customers across the Nordics and more than 800 colleagues, we are committed to creating long-term value for individuals, businesses, and society. Recognized as a career company for the past six years, we put strong emphasis on both personal and professional growth. We want to make a difference by striving to be our best, acting with kindness, and building trust through clarity and collaboration. Our heart beats strong and it shows in everything we do. Although we are based in the Nordics, our team is enriched by the breadth of perspectives brought by colleagues from different countries. We foster a welcoming and supportive culture, where collaboration drives us to achieve the best outcomes for our users. Apply today! Don’t wait to send in your application. Selection and interviews take place on an ongoing basis, and the position may be filled before the last application date. We look forward to hearing from you! Important information On final candidates, we carry out a detailed background check via an external company. #LI-LN1