Who We Are

At Ikano Bank, we believe work should feel meaningful and inspiring. Together, we create a great place to work where people are inspired to be the best they can be while contributing to a better life for our customers and the long‑term success of the Bank. Guided by our Swedish heritage and values: common sense and simplicity, working together and daring to be different, we keep things straightforward and down‑to‑earth. If you like the idea of being part of a team that works hard, enjoys solving challenges together and dares to do things a little differently, you will feel right at home here.

Full Time/Part Time

Full Time

Who We Are

At Ikano Bank, we believe work should feel meaningful and inspiring. Together, we create a great place to work where people are inspired to be the best they can be while contributing to a better life for our customers and the long‑term success of the Bank. Guided by our Swedish heritage and values: common sense and simplicity, working together and daring to be different, we keep things straightforward and down‑to‑earth. If you like the idea of being part of a team that works hard, enjoys solving challenges together and dares to do things a little differently, you will feel right at home here.

Working in the Credit function means helping build a strong, responsible bank by setting smart credit strategies and promoting a culture of prudent risk management. It’s about supporting the business to grow safely and confidently, making a positive impact through sound and trustworthy decision‑making.

Purpose of the Job

Make a real impact on how credit decisions shape business success. In this role, you’ll dive deep into portfolio performance, uncovering the key drivers of risk and profitability within the German & Austrian market and turning data into clear, actionable insights.

You’ll play a central part in continuously improving portfolio outcomes by spotting trends early and ensuring those signals directly influence smarter credit decisions, sharper pricing strategies, and more effective collections. This is a unique opportunity to contribute to a dynamic, closed‑loop portfolio steering where your analysis doesn’t just inform decisions – it helps drive them.

Responsibilities of the Job

Monitor and analyze credit portfolio performance for the assigned market across the full lifecycle (origination, back book, and collections).
Track and report key KPIs (e.g., approval rates, PD mix, DPD 1+, NPLs, write‑offs, recoveries) and highlight deviations from targets.
Support closed‑loop portfolio steering by identifying performance signals and proposing corrective actions across decisioning, pricing, and treatment strategies.
Perform detailed analyses on portfolio segments, customer behavior, and risk drivers to support optimization initiatives.
Assist in the monitoring and optimization of credit decision engines, including rule performance tracking and testing support.
Contribute to back‑book performance management through early warning analysis and identification of risk trends.
Support the refinement of collection strategies in collaboration with NPL and Operations teams.
Prepare regular reports, dashboards, and presentations for internal stakeholders and governance forums.
Collaborate with cross‑functional stakeholders (e.g., Credit, Commercial, Finance, Risk, Digital) at both local and central level.
Support ongoing projects and transformation initiatives, including automation, data improvements, and analytical enhancements.

Education Level

Bachelor's Degree

Experience/Demonstrated Competencies

2+ years of experience in credit risk, analytics, portfolio management, or a related field
Technical skills (e.g., SQL, Python, BI tools) are a strong plus
Exposure to financial services or lending business is preferred
Experience in KPI monitoring, reporting, or analytical problem solving
Experience working in cross‑functional or international environments is a plus

Language Competencies

Fluency in English & German
Further language competencies are advantageous.

Knowledge required

Understanding of banking business, especially lending products and market‑specific characteristics.
Knowledge of credit granting processes, credit risk metrics (e.g., PD, delinquency, NPL), and portfolio steering concepts.
Familiarity with credit decisioning processes, scoring models, and lifecycle portfolio management.
Understanding of fundamental regulations, guidelines, and compliance requirements in credit risk and lending.
Awareness of governance structures within the Credit function.
Knowledge of collections processes, credit bureaus, and external service providers in the credit ecosystem.
Ability to work with large and complex datasets to generate meaningful analysis and insights.
Awareness of cross‑market portfolio dynamics and scalability considerations for future market expansion.
Knowledge of collections processes, early warning signals, and NPL dynamics.
Knowledge of fundamental regulations, guidelines and other compliance standards associated with credit business.
Proficiency in analyzing large datasets, using BI tools, and leveraging insights for strategy.
Awareness of advanced risk technologies and digital transformation initiatives.

Capabilities for this job

Strong analytical skills with the ability to translate data and numbers into actionable recommendations.
High attention to detail and quality, ensuring robust and reliable analyses for stakeholders.
Ability to identify risks, inefficiencies, and growth barriers within the credit portfolio and propose solutions.
Structured and efficient working style, focusing on delivering clear insights with pragmatic approaches.
Ability to work both independently and collaboratively in cross‑functional and multi‑market environments.
Good communication skills, enabling clear and effective interaction with different stakeholders.
Capability to support decision‑making through data analysis, reporting, and structured problem solving.
Ability to balance routine performance monitoring with participation in projects and improvement initiatives.

What motivates you?

Passion for data‑driven credit risk analysis and portfolio optimisation.
Open‑minded and flexible towards a broad range of tasks within credit risk and portfolio analytics.
Collaborative, with a strong sense of ownership and team spirit across local and international stakeholders.
Proactive mindset with a continuous drive to identify and implement process improvements.
Curiosity and motivation to understand portfolio performance drivers and contribute to meaningful business impact.

Ready to apply?

If this sounds like your kind of workplace, we would love to hear from you. You do not have to tick every single box. What matters most is your drive, your ideas and your willingness to grow with us. Our application process is simple. Just click on the Apply Button and we will get in touch with you soon. Apply today and let us build something different together. You want to know more about Ikano Bank? Check out our videos about culture, social/corporate responsibility and everyday working at the bank. For any questions, feel free to contact us at

Salary (per annum)

According to the market

Ikano Bank Benefits

Annual Social Day for all Employees
Favorable Conditions for Ikano Bank Products

Applications Close Date

21 Aug 2026

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