What we do at Qliro

At Qliro we deliver safe and simple payments. We are a dedicated partner to our merchants who serve their customers every day. We believe that if our merchants grow, we grow. We are a company of dedicated, friendly and highly competent people that together have redefined what Qliro and payments can be. We are now on a journey of scaling our business both here in Sweden and the Nordics.

About the role

You lead credit analytics at Qliro and own the credit life cycle, from setting the underwriting strategy to monitoring how the portfolio performs and forecasting losses. You are accountable for the balance between risk and profitability, and for making sure our credit decisions are backed by analysis. You lead a team of two credit analysts.

What you will do

• Set and develop Qliro’s credit strategy: who we approve, at what limits and terms, and how that changes as the portfolio and the market change.

• Understand what drives risk and profitability in the portfolio, and how the two trade off against each other. You can explain to management what a change in approval rate or credit rules does to losses and to profit and loss.

• Own our expected credit loss (ECL) model and our provisioning methodology. This includes the model’s assumptions, how well it performs, how it is recalibrated, and how the results are explained to Finance and other stakeholders.

• Forecast credit losses and explain how they move with changes in strategy, macroeconomic conditions and portfolio mix. You provide the loss view that Finance uses in budget and forecasting.

• Monitor portfolio performance and act on it. This covers loss development, early signs of deterioration, and differences between customer segments, merchants and markets.

• Follow new and changing regulation that affects credit, and make sure our underwriting framework is adapted in time. Compliance supports you, but the credit function owns the framework.

• Decide how credit rules and models are tested and introduced, for example through champion/challenger setups, and follow up on whether they delivered what we expected.

• Work with data scientists and engineers who build models, tools and decision rules. You set the credit requirements and judge whether the result is good enough to use.

• Work directly with our merchant partners on credit performance and on how their customer base affects risk.

• Work with Risk, Finance and Compliance on risk appetite and reporting.

• Lead and develop two credit analysts: set priorities, review their work, and help them grow in the role.

What we are looking for

• You have owned or had a major part in credit decisions in consumer lending, BNPL, cards, payments or a similar business.

• You know the credit life cycle in practice: underwriting, limit setting, monitoring, and what happens when customers fall behind.

• You have worked with ECL modelling and provisioning, and can explain how the model works, what drives its results, and where it is uncertain.

• You have forecast credit losses and know how to explain the gap between forecast and outcome.

• You have adapted credit policy or an underwriting framework to new regulation, and can read regulatory requirements and translate them into credit rules.

• You understand how analyses and credit models are built well enough to review and challenge them. You do not need to write the code yourself.

• You have worked with data scientists on scorecards or other credit models and know what to ask for.

• You explain trade-offs clearly to people who are not credit specialists, including senior leaders.

• You have led or coached people, or are ready to take on a first people-management role.

Does this sound like your next role? What are you waiting for - apply now! 

Qliro is an equal opportunity employer. All qualified applicants will be considered for employment without regard to gender, gender identity or expression, national origin, religion or other beliefs, disability, sexual orientation or age.