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Credit Risk Management & Performance Analyst

On-site in Málaga·Added 8 days ago

TF Bank

3 open roles

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Overview

Requirements

Have the right to work in Spain
TF Bank doesn't mention sponsorship in the ad.
Work in English
English is required, per the ad.
Work on-site in Málaga
No relocation package mentioned.
University degree
“A relevant academic background in finance, economics, statistics, mathematics, data science or a similar quantitative field” — per the ad.

Requirements

Nice to have

Experience with Power BI, advanced Excel, pre-collection, portfolio sales or debt-purchase transactions is a plus

Education & certifications

Strong SQL skills and experience working with large and complex datasets
A relevant academic background in finance, economics, statistics, mathematics, data science or a similar quantitative field
Experience within credit risk, portfolio analytics, consumer finance, collections or another data-driven financial environment
Strong analytical and problem-solving skills, combined with commercial judgement
Ability to turn complex analyses into clear conclusions and practical recommendations
A structured and independent working style, with strong attention to data quality and detail
Strong communication skills and confidence working with both technical and business stakeholders
Professional proficiency in English

The role

We are looking for an analyst with strong business capabilities to join our team. This is a hands-on role at the intersection of data analysis and business decision-making. You will analyse our performing credit portfolios, evaluate and improve pre-collection activities, and provide analytical support for portfolio sales and transactions across our markets.

You will work with everything from SQL-based data analysis and performance monitoring to presenting clear recommendations to business owners and management. We are looking for someone who does not stop at explaining what happened, but can identify why it happened and what we should do next.

What you'll do

Analyse the performance of performing credit portfolios, including payment behaviour, early delinquency, roll rates, vintages, customer segments and profitability
Identify emerging risks and opportunities and translate findings into concrete business recommendations
Measure and improve pre-collection strategies, including customer selection, contact channels, treatment strategies, vendor performance and cure rates
Design and evaluate tests to determine the incremental impact of pre-collection initiatives
Develop robust SQL analyses, datasets and recurring performance reporting
Support portfolio sales and forward-flow transactions through portfolio segmentation, data-tape preparation, cash-flow and pricing analyses, due diligence and post-sale performance monitoring
Ensure strong data quality, consistent definitions and clear documentation
Present findings in a concise and commercially relevant way to business stakeholders, committees and management
Collaborate with colleagues across Credit Risk, Collections, Finance, Commercial & Data as well as country teams and external partners

About TF Bank

TF Bank is a Swedish fintech company specializing in consumer lending, savings, and payment solutions. Founded in 1987 and headquartered in Borås, Sweden, the bank operates across multiple European countries, offering digital-first financial services to consumers and partners. With a focus on niche lending products and a scalable core banking platform, TF Bank has grown into a significant player in the European fintech landscape.

In Spain, TF Bank has established a presence to support its Southern European operations, with open roles spanning customer operations, legal, product management, and IT. The company's work culture emphasizes innovation and digital transformation, making it an attractive option for international professionals seeking to contribute to a growing fintech. With roles requiring Italian and other language skills, TF Bank offers opportunities for multilingual talent to work in a dynamic, cross-border environment.

Industry: Fintech
Founded: 1987
Employees: 500–1,000
Headquarters: Borås, Sweden
In Spain: Madrid
Website: tfbank.com

Good to know if you are moving

TF Bank is headquartered in Borås, Sweden, but has a significant presence in Spain, offering roles in customer operations, legal, and product management.
The company operates in multiple European countries, providing opportunities for cross-border collaboration and career growth.
TF Bank's digital-first approach means employees work on modern fintech solutions, including core banking platforms and machine learning operations.
Some roles require Italian language skills, indicating a multicultural work environment with a focus on serving diverse European markets.
As a niche player in the fintech sector, TF Bank offers a more intimate work environment compared to large global banks.

In their own words

About the company & team

We Offer
You will join a developing Group function with a clear mandate and close access to decision-makers. The role offers broad exposure across markets and products, significant ownership of your analyses and the opportunity to directly influence how we manage portfolio performance, prevent future credit losses and execute portfolio transactions.

All open roles at TF Bank