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TF Bank was founded in Sweden in 1987 with the purpose of offering finance solutions to customers who ordered goods from mail order catalogs. Over time, the Group has grown both in terms of product offerings, revenues, and geographic presence.

TF Bank prioritizes organic growth under controlled conditions, and expansion occurs within carefully selected segments and markets. The business is conducted in Sweden, Finland, Norway, Denmark, Estonia, Latvia, Lithuania, Poland, Germany, Austria, Spain, Ireland, and the Netherlands through subsidiary, branch, or cross-border banking with the support of the Swedish banking license.

The operations are divided into three segments: Consumer Lending, Credit Cards, and Ecommerce Solutions. TF Bank is listed on Nasdaq Stockholm.

About the Role

TF Bank AB is seeking a dynamic and hands-on professional to join our team as a Non-Performing Loans (NPL) Analyst. In this role, we are looking for an analytical and detail-oriented professional to manage LGD and recovery curve modeling, monitor recovery performance across all the banks 12 country portfolios and 3 distinct product lines. Provide ad-hoc valuations for NPL portfolios to support debt sales strategies.

This role involves developing predictive models, delivering insights on recovery trends, and ensuring accurate and data-driven NPL portfolio valuation practices. The candidate will collaborate closely with cross-functional teams to align recovery monitoring frameworks and support decision-making with actionable recommendations based on in-depth analysis of diverse portfolio dynamics.

Key Responsibilities:

• Recovery Monitoring: Analyze and monitor recovery performance for three distinct product lines/twelve countries, ensuring alignment with forecasts and identifying areas for optimization.
• Portfolio Insights: Perform data-driven analysis across portfolios from multiple countries, providing actionable insights to enhance recovery strategies.
• NPL Valuation: Support ad-hoc valuation exercises of NPL portfolios to inform pricing and sales strategies, incorporating economic and market-specific considerations.
• Data Management and Reporting: Maintain robust monitoring frameworks, ensuring accurate and timely reporting of recovery trends and outcomes.
• Cross-functional Collaboration: Work closely with stakeholders across risk, finance, and operations teams to align on modeling assumptions and deliver strategic insights.

Qualifications:

• Minimum of 3+ years of relevant analytical experience in NPL-related fields, financial sector, or provision modelling/IFRS 9.
• A degree in science, finance, or economics and/or strong experience in financial and macroeconomic markets.

Preferred Skills:

• Expertise in analyzing Debt Collection Agencies (DCA) performance to maximize collection efficiency.
• Excellent knowledge of SQL for data extraction and manipulation.
• Experience in predictive modelling will be a plus.
• Excellent analytical and problem-solving skills, with a strong attention to detail. Algorithmic and creative approach to solving problems.
• Proven track record of delivering impactful insights and recommendations based on data analysis.

Why Join Us?

At TF Bank, we offer an opportunity to be part of a dynamic and forward-thinking financial institution. By joining our team, you will:

• Be Part of a High-Impact Team: Work alongside experienced decision-makers, specialists, and analysts in the NPL sector, shaping strategies that directly influence the bank’s financial performance.
• Develop Cutting-Edge Expertise: Engage in complex financial modeling, recovery analysis, and valuation exercises that will enhance your skill set in credit risk and NPL management.
• Drive Strategic Initiatives: Play a key role in optimizing the bank’s NPL portfolio, improving recovery performance across multiple countries and product lines.
• Work in a Data-Driven Environment: Leverage advanced analytics, predictive modeling, and innovative valuation methods to support decision-making at the highest levels.
• Expand Your Professional Growth: Gain exposure to cross-functional collaboration with finance, risk, and operations teams, providing a holistic understanding of banking strategies and credit risk management.
• Enjoy a Fast-Paced and Collaborative Culture: Thrive in a results-oriented organization that values initiative, analytical thinking, and strategic problem-solving.

Who You Are:

We are looking for a results-driven and analytical professional who thrives in a fast-moving environment. You will excel in this role if you:

• Have an Analytical Mindset: You are comfortable working with large data sets, extracting key insights, and translating them into actionable strategies.
• Are a Strategic Thinker: You can assess both the big picture and have attention to details, ensuring that NPL strategies align with broader business goals.
• Are Detail-Oriented and Results-Driven: You take a structured approach to problem-solving and are focused on delivering measurable outcomes.
• Are Highly Organized: You can manage multiple projects, prioritize tasks effectively, and work efficiently in a high-pressure setting.
• Excel in Collaborative Environments: You enjoy working with cross-functional teams, sharing insights, and learning from peers in finance, risk, and operations.
• Thrive in Dynamic Situations: You can adapt quickly to evolving market conditions, regulatory changes, and new strategic opportunities.

If you are looking for a challenging and rewarding career in NPL analytics, where your expertise can drive tangible impact, we would love to hear from you!

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