Credit Risk Analyst (Provisions)
TF BankGdańsk, Pomeranian Voivodeship, Poland
Posted October 17, 2025
Full Time
About the Company
TF Bank is a digital bank offering consumer banking services and e-commerce solutions through a proprietary IT platform with a high degree of automation. The platform is designed for scalability and adaptation to different products, countries, currencies and digital banking solutions. We carry out lending and/or deposit activities with consumers in Sweden, Finland, Norway, Denmark, Poland, Germany, Austria, Estonia, Lithuania, Latvia, Spain, Ireland, the Netherlands and Italy through subsidiaries, branches or cross-border banking with the support of the Swedish banking license. The operations are divided into three segments: Credit Cards, Ecommerce Solutions and Consumer Lending. TF Bank was founded in Sweden in 1987 and has since the very start exhibited a strong track-record of profitable growth. From our Swedish base we have established a broad European presence and have evolved into a European card and payment platform. TF Bank is listed in the mid cap segment at Nasdaq Stockholm since 2016.
Job Description
We are looking for an analytical and detail-oriented professional to join our Provisions Modelling team to ensure accurate and data-driven provisioning across multiple European portfolios in accordance with IFRS 9 standards.
Requirements
- Master's degree in a quantitative field (Mathematics, Statistics, Economics, Finance, or related)
- Minimum 2 years of professional experience in credit risk or financial provisioning
- Solid understanding of IFRS 9 provisioning concepts (PD, LGD, ECL) and model governance
- Strong analytical and problem-solving skills with great attention to detail
- Hands-on experience with SQL (querying and transforming large datasets) and Excel (advanced formulas, pivot tables, data visualization)
- Experience with R or Python for statistical analysis and Power BI for dashboards is an advantage
- Fluent in English, both written and spoken, for effective collaboration across countries
- Ability to work independently and effectively in a fast-paced, international environment