Decision Science Analyst focusing on Loss Modelling within Credit Risk

The Company
EnterCard is a young finance company with a team of curious people passionate about data. We strive to make the everyday lives of our customers easier by creating smart payment and financing solutions.

Today we issue credit cards and consumer loans to 1,7 million customers in Sweden, Norway, and Denmark.

The Credit Risk function at EnterCard is responsible for setting policies that determine to whom EnterCard is prepared to lend, and the maximum amounts that can be lent to individual customers. They use statistical modelling and other analytical tools to predict the probability that individual credit applicants will be unable to repay the money lent to them. Their objectives are both to ensure that EnterCard does not take a level of credit risk that endangers its financial performance and to ensure that EnterCard fulfils its ethical responsibility to act as a responsible lender.

The Role 

The Credit Risk department are responsible for managing the balance between risk and reward across all products and countries and comprises of two broad functions, Analytics and Operations. Within Analytics, EnterCard is now looking for a Decision Science Analyst for a new position open at entry level. The purpose of the role is to build and maintain mathematical models used to predict future events and risk for our business. You will primarily be focusing on loss modelling with reference to IFRS9.

Your main responsibilities will include:

• Execution of the monthly modelling monitoring process including production and investigation.
• Execution of the quarterly monitoring report, supporting the Senior Decision Science Analyst with communicating results and recommendations to the Operational model owners
• Ensuring that monitoring cycles fully comply with internal governance frameworks
• Undertake ad-hoc analytical tasks to a high standard. Manage expectations regarding timelines and expected challenges, and perform analyses
• Support Senior Decision Science Analyst with model maintenance, completing necessary analysis to assess improvement opportunity
• Contribute to the Credit Risk control framework through documenting strategy changes and operating controls as required.
• Contribute to the wider Entercard Credit Risk team and organization through proactively sharing best-practice, supporting colleagues in periods of stress, always communicating transparently and openly, and helping continue to make Entercard a fun place to work.

In this role, you will be working in a fast-paced environment, collaborating with over twenty-five curious, eager and positive colleagues across Credit Risk. The role is placed at EnterCard´s office in the central part of Stockholm. You will report to Head of Credit Risk for Existing Assets Management.

Background and personal qualities

To be successful in this role, you have a numerate University degree (i.e. Mathematics, Economics, Technical Engineering, Science or Statistics) and a minimum of 2 years’ experience within Credit Risk. Knowledge and understanding of loss modeling and decision science analysis is mandatory and working experience within these areas is desirable. If you are familiar with programming in SAS and SQL it is a plus but not mandatory.

The role will be a part of an international team. English will be the daily language in your role and a proficiency in both oral and written communication is essential. Other Nordic languages are a plus.

In this recruitment, your personal attributes will be of great importance! We are looking for a curious and eager person with an eye for details. You feel passionate about modelling and you also like to step into new areas to learn new things. A desire to share information and expertise and best-practice-sharing are also important attributes.

What do Entercard offer you?

Besides our competitive compensation and benefit package, we take pride in offering you an international environment based on a regionalized organization with strong ties to both Swedbank and Barclays Bank. We provide a dynamic atmosphere where you are continuously challenged and developed on both a professional and personal level. In addition, we enjoy frequent social events, health activities, ski lodges in Trysil and centrally located offices in all locations.

Analytics is and has always been part of our DNA. Our parents, Barclays Bank and Swedbank, have many years of experience in turning big data into customer value.
We bring an analytical mindset to whatever project we are working on – no matter if we’re developing a new product or improving the customer experience.

At EnterCard, you get to step outside your box and work together with colleagues from different teams and departments. For us, your sets of skills are more valuable than your job
title – giving you the opportunity to grow within the company. We firmly believe a diversity of backgrounds and experiences lead to a better workplace, stronger ideas and not to mention inspiring lunch conversations. Our team of 450 people represents 40 different nationalities, and women hold 5/10 management positions.

Do we have a match? Contact us!

We review applications and interview potential candidates on a continuous basis and the position might be filled before the application period has ended.

Application
In this process EnterCard is working with Level Recruitment. To apply, please click at the apply button. If you have any questions please contact Sarah Sturesson 08-120 50 425.
We review applications and interview potential candidates on a continuous basis and the position might be filled before the application period has ended.


Kontaktperson:

Sarah Sturesson
08-120 50 425


Tjänstens omfattning:  Heltid

Anställningsform:  Tillsvidareanställning

Placeringsort:  Stockholm

Publiceringsdatum:  08/10/2017

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