EnterCard is one of Scandinavia's leading credit market companies with over 2 million customers in three markets. Through our two owners, Barclays and Swedbank, we get access to global and unique expertise within lending. Our goal is to make our customers' everyday lives easier by offering them smart and responsible payment and financing solutions. We are present in Norway, Sweden, and Denmark and have 450 dedicated employees. We are now looking for a Data Scientist to join the team.
What you'll be doing
The Credit Risk function 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. We 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. Our 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 fulfills its ethical responsibility to act as a responsible lender.
As an Credit Risk Decision Analyst, you will:
Be working on monthly modelling monitoring process including production and investigation.
Have responsibility for quarterly monitoring report and communicating the results and recommendations to the operational model owners.
Have the opportunity to develop model or build new models, depending on business need. You will also be responsible for the execution of the governance framework in order to ensure that the model is put in production.
Contribute to the team and organization through proactively sharing best-practice, supporting colleagues and have a transparent communication so EnterCard continues to be a fun and great place to work.
To succeed in this role, you need to:
You have an University degree and experience of working with analytics.
As a person you have an analytical mindset and strong passion for numbers and leave no one behind. You have an strong verbal, social and interaction skills both towards developers and stakeholder as well as a collaborative working style. You strive to make the Customer experience better with simpler and smarter solutions.
At EnterCard, we believe in collaboration and the strength of diversity. Among our employees, there are 40 different nationalities, who contribute with new knowledge and cultural experiences.
Our culture is strongly characterized by our core values: passionate, innovative, and genuine. They reflect everything we do, how we work, and how we respond to customers. We believe that diversity, analytical capabilities, and dedicated employees drive development and growth.