Credit Underwriting Specialist

As a Credit Underwriting Specialist at Nordiska you will play a key role in ensuring high quality credit decisions across both private and SME segments. You will combine analytical expertise with sound business judgment, contributing to sustainable and well-founded lending decisions. At the same time, you will help shape how we build and scale our Credit Operations function going forward. Bank at core, innovation at heart Nordiska is a bank offering a complete range of financial services, allowing us to tailor solutions to each customer while simultaneously enabling them to gain access to advanced financial technology. Part of our offering is our Embedded platform, enabling enterprise partners across Europe to seamlessly integrate financial services – including saving, lending and payments into innovative product offerings. Additionally, we provide corporate and real estate financing, as well as sustainable savings with a government-backed deposit guarantee. To meet future demands, we continuously scale our modern technology platform, expand partner integrations, and accelerate product innovation to help shape the future of financial services. Working at Nordiska Since our founding, we have been committed to driving innovation and creating meaningful impact. We work towards an ambitious vision and goals, backed up by our history of successfully delivering high-quality results and sustainable growth. Historically and going forward, the people working at Nordiska are what enables our success. We balance our professional environment with an entrepreneurial mindset, always acting with honesty and responsibility, to build long-term trust among customers, partners and employees. About the Role In the role as Credit Underwriting Specialist, you will be central to Nordiska’s credit decision process, ensuring robust, compliant and commercially sound underwriting across multiple markets. You will work closely with Analytics and business stakeholders, contributing both to individual credit decisions and to the continuous development of models, processes and tools. This is a unique opportunity to help build and shape Credit Operations from the ground up. In the role you will: Perform advanced manual credit assessments across private and SME segments in multiple markets Analyze credit reports, financial statements, cash flows, and business models Assess risk exposure, collateral and define appropriate credit limits Prepare and present decision-making material for credit approvals Collaborate closely with business teams and client-responsible stakeholders to ensure balanced decisions Ensure all credit decisions comply with internal policies, regulatory requirements and guidelines Contribute to the development of processes, routines and system support Your Professional Profile You are a structured and detail-oriented professional with a strong analytical mindset and a proactive approach. You thrive in a dynamic environment where you can take ownership and contribute to building something new. With strong communication skills, you are comfortable collaborating across teams and translating complex analysis into clear, actionable insights. We believe that you have: A university degree in finance, economics, statistics or a related field Experience in credit underwriting or credit risk assessment Strong analytical skills and experience working with financial data Solid understanding of relevant regulatory frameworks Experience working with credit tools and decision-support systems Excellent communication skills in Swedish and English (additional languages are a plus) Experience from multiple markets and/or building processes or functions is considered a merit Application If you’re looking to join a growth-driven environment that pairs innovation with profitability and reliability, welcome to Nordiska. We look forward to receiving your application. We review and interview continuously, with background checks as part of the final stage of our process. For questions about the role and or more information, you are warmly welcome to contact Simon Petersson at simon.petersson@nordiska.com