Credit Risk Analyst

About this role

Responsibilities

• Market and business analysis for new and existing European markets.
• Analysis of portfolio performance and translation of insights into recommendations.
• Preparation of regular reports and decision material for the CCO and leadership.
• Financial analysis of unit economics and profitability for credit products.
• Monitoring of credit losses, provisioning (including IFRS 9), and key portfolio KPIs.
• Working with the credit modelling team across the full credit lifecycle.

Requirements

• Ensuring compliance and proper governance of credit processes and documentation in line with local regulations.
• Analysis and development of strategies for consumer lending.
• Pricing and profitability analysis.
• IFRS-related topics within the credit area.
• Data-driven analysis to extract insights.
• Process optimisation and business development across the full flow – from initial application to potential collections.

About 0to9 AB (publ)

Plus1 is a fast-growing fintech company with a clear mission: helping people gain better control over their personal finances. Through digital solutions, personal advice, and a strong customer focus, we provide safe and value-creating support to consumers. We are now looking for a key player to join our credit team! About the role As a Credit Analyst at Plus1, you will have a unique opportunity to work across the full credit lifecycle and directly influence how we grow. You will work closely with our Chief Credit Officer (CCRO) on business, credit and portfolio questions. The role suits someone who wants to take real accountability, grow with the role over time and be involved in making data-driven business decisions in a fast-scaling environment. You will be part of a high-growth journey, with rapid expansion in Europe and strong opportunities to grow with the company. What you will work onYour responsibilities will include, among other things: Market and business analysis for new and existing European markets. Analysis of portfolio performance and translation of insights into recommendations. Preparation of regular reports and decision material for the CCO and leadership. Financial analysis of unit economics and profitability for credit products. Monitoring of credit losses, provisioning (including IFRS 9), and key portfolio KPIs. Working with the credit modelling team across the full credit lifecycle. Ensuring compliance and proper governance of credit processes and documentation in line with local regulations. You will also work hands-on with: Analysis and development of strategies for consumer lending. Pricing and profitability analysis. IFRS-related topics within the credit area. Data-driven analysis to extract insights. Process optimisation and business development across the full flow – from initial application to potential collections. Who you are You are analytically strong, curious and business minded. You enjoy a dynam