Junior Credit Risk Analyst

We are looking for a recent graduate or career changer eager to step into the
field of Credit Risk. As a Junior Credit Risk Analyst, you will learn as you go, playing an important role in developing credit risk analytics area in the bank.

Key Responsibilities: 

• Collect and analyse data from various sources, including internal systems, Credit Bureaus, to identify trends, patterns, and opportunities and propose changes in credit policy or marketing activities.
• Develop and maintain statistical models e. g. scorecards for credit risk area.
• Provide actionable insights and recommendations to stakeholders based on data analysis, helping them make informed decisions and drive business growth.
• Collaborate with teams within decision and analytics area and other ones in different geographical locations.
• Effectively communicate complex analytical findings and insights to both technical and non-technical stakeholders through presentations, reports, and visualizations.

Qualifications and Experience:

• University Degree in a relevant field such as Mathematics, Statistics, Economics, Quantitative Methods, Computer Science or Engineering.
• 1-2 years of experience in analytics or a data science field. Traineeships and summer jobs are taken into account.
• Experience in the financial sector is preferred, especially in retail credit risk area.
• Practical knowledge from the Nordic markets will be a plus.
• Proficiency in data modelling methodologies and statistical analysis techniques.
• Knowledge of programming languages such as Python or R is preferred.
• Knowledge of SQL for data extraction and manipulation.
• Experience in predictive modelling using logistic regression will be a plus.
• Excellent analytical and problem-solving skills, with a strong attention to detail.
• Algorithmic and creative approach to solving problems.
• Good communication and presentation skills, with the ability to translate complex data into clear and actionable insights.
• Ability to work effectively in a fast-paced, dynamic environment, managing multiple priorities and meeting deadlines.

Languages: Fluent English to be able to collaborate with colleagues from other countries. Finnish as well as other Nordic languages are considered a plus.

Location: Helsinki.