Credit Decision Analyst

Description:

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 Join us at a key moment as we transform how we make credit decisions — becoming faster, smarter, and more data-driven. As a Credit Decision Analyst, you’ll work hands-on with decision engines, turning strategy and data into real-time decision logic that directly impacts customer outcomes and business performance.

This is a high-impact role at the intersection of credit risk, analytics, and technology — with real ownership and the opportunity to shape the future of decisioning.

Responsibilities of the Job - Design, implement, and maintain credit decisioning strategies within the bank’s decision engine
 

• Translate credit risk policies, models, and business strategies into decision rules and logic
• Monitor and analyze decision performance (e.g. decision outcome, approval rates, conversion) and identify optimization opportunities
• Support development and implementation of new credit strategies (e.g. underwriting, pricing, affordability)
• Collaborate with Credit Risk, Data Science, and Digital teams to ensure consistent and effective decision flows
• Ensure decision logic is documented, traceable, and aligned with internal governance and regulatory requirements
• Contribute to continuous improvement and automation of decision processes
• Support testing, validation, and deployment of decision strategies in line with agreed frameworks
• Act as a subject matter expert in credit decisioning and support stakeholders with insights and guidance
   

Education Level Bachelor's Degree
 

• Experience working with credit decision engines
• Experience analyzing credit performance and supporting strategy development
• Proficiency in SQL, Python and/or data analysis tools
• Exposure to credit risk models, scorecards, or underwriting processes
• Experience working in cross-functional environments involving Credit and Digital