Job Description

NOBA Bank Group is looking for a driven Credit Risk Analyst with a strong focus on analyzing and managing Non-Performing Loans (NPLs). You will join the Group Portfolio Analytics team, responsible for designing, building, and maintaining the analytics and reporting infrastructure that supports NOBA’s continued growth and sound risk management.

NOBA holds a market-leading position in the Nordics, and the NPL team manages a substantial share of the region’s non-performing loan portfolios,amounting to a net value of c. 11bn SEK This role offers hands-on exposure to large, complex portfolios, high-quality data, and analytical work that directly influences both commercial and risk-related decisions.

You’ll be key part of a talented group of experienced and highly skilled colleagues across the organization, where your expertise will help shape decision-making and drive continuous improvements in how NPL portfolios are analyzed, managed, and finally divested.

About the role:

As a Credit Risk Analyst at NOBA, you will play a central role in developing and strengthening how NPL portfolios are managed across the bank. Working closely with a cross-functional NPL team, you will combine hands-on data analysis with a strong business understanding to deliver insights that support portfolio performance, strategy, and sales activities related to NPLs.

Main tasks:

• Delivering data-driven insights to maximize value creation from NOBA’s NPL portfolio

• Building and maintaining a strong understanding of collection data across countries and brands

• Designing, maintaining, and continuously improving group-wide NPL reporting, covering:

  • Debt collection performance

  • Group NPE strategy

  • Performance of securitized NPL portfolios

• Ensure availability, accuracy, and consistency of data and reports across the Group enabling best-in-class management of NPLs.

• Support NPL sales and divestments, including analytical and reporting deliverables

• Collaborate closely with internal stakeholders such as Risk Control, Finance, Collections, Underwriting, and Data Engineering

• Work with external debt collection agencies and partners on data extraction, quality, and reporting.
  

We are looking for you who:

• 3+ years of experience in analytical roles and NPL-related fields, preferably within banking or credit risk.

• A degree in a quantitative discipline (e.g. engineering, economics, statistics, or similar)

• Strong technical skills in one or more of: SAS, SQL, Python, R

• A self-driven, solution-oriented mindset with strong prioritization skills

• Excellent collaboration and stakeholder management abilities

• Professional proficiency in English and at least one Scandinavian language
  

It's positive if you also bring:

• Experience analyzing debt collection agency (DCA) performance

• Experience producing reports for financial authorities (e.g. SFSA)

• Hands-on experience with statistical methods such as A/B testing or regression analysis

• Experience working across Nordic markets

To thrive and perform well in the role, we believe that:

You enjoy taking the lead, improving ways of working, and developing how data is used to drive better outcomes. You build trust through clear communication and collaboration, thrive in a fast-paced environment, and can balance strategic thinking with attention to detail. If you thrive in complex challenges, value high ownership, and want to make a visible impact at one of Europe’s largest specialist banks – this role is for you.

In addition to this, it is important to us that you recognize yourself in our values: we are wholehearted, we collaborate and we take the lead.

Read more about NOBA Benefits here: https://careers.noba.bank/pages/information

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.

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If you have any questions or concerns about the position, please contact the responsible recruiter.

We look forward to receiving your application! 🙏✨