Harnham

Credit Risk Analyst

Stockholm
500000kr - 600000kr per annum + BENEFITS

CREDIT RISK ANALYST

DIGITAL BANK

STOCKHOLM

Are you interested in a change of environment, and join a company where your voice will be heard? This opportunity offers you just that. You will join their Credit Risk team, using your experience to provide analytical insight, using SQL.

THE COMPANY:

This company is pioneers in Digital Banking, with their innovative approach they have become an international player to be recognised. Their presence in the Nordics is undoubtedly noticed, and they are growing by the year. Culturally, they are known to invest in their employers, making sure that they are up-to-date with the latest knowledge.

THE ROLE:

In this role, you'll be based in Stockholm working on an international team. You will be a core part of the Credit Risk team, where you will provide insight and share your analysis on Credit Risk related topics. Typical work tasks will be (but not limited to):

  • Analyse lending portfolio from a Credit Risk perspective and detect exposure and opportunities based on data insight
  • Document and suggest alternations in policy rules and credit risk strategy
  • Improve internal KPI's and reporting structures
  • Analyse complex data sets (I.e. income statements, reports, balance sheets, cash flow statements and similar)
  • Partake in project related to data gathering and data pilots

YOUR SKILLS AND EXPERIENCES:

A successful applicant has:

  • Relevant education (BSc/MSc/Ph.D. in Economics, Mathematics, Engineering, Economics, Science or similar)
  • Proven work experience related to Credit Risk Management
  • Experience working with large datasets
  • Strong understanding of the usage of SQL
  • Spoken and written English skills
  • Experience from a financial institution
  • Knowledge from Data Analysis skill with R or Python or similar is a plus
  • Ability to work independently

BENEFITS:

The company offers a competitive package, in addition to:

  • Flexible working hours
  • Pension scheme
  • Training and development from courses and other forms of training
  • Bonus scheme


HOW TO APPLY:

Apply to Stian Iversen using the "Apply Now" button on this page.

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VAC-47182/SI
Stockholm
500000kr - 600000kr per annum + BENEFITS
  1. Permanent
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Opportunity Knocks: Media Trading Desks Move In-House

It’s anticipated that by 2022, 80% of the advertising process will be automated. With the remainder of the process made up of elements that rely on human drivers, such as brand value and storytelling, we will have reached peak automation. Programmatic is playing a huge role in this transition, dominating the majority of mobile display and TV advertising. With the promise of more targeted ads, more and more marketers are pointing their budgets in this direction. The consequences of this, however, could have a lasting impact. Larger agencies are already introducing their own Programmatic teams, whilst Adobe believe that 62% brands will bring their media buying in-house by 2022, opening the door for an array of new opportunities. Moving Home There are several reasons that brands are choosing to bring their media buying in-house. First and foremost, with more and more budget directed towards Programmatic, the ability to automate their buying has a significant appeal. With the technology now available to do so, keeping this in-house has a number of benefits: Control: Brands can have greater control over how they spend their budget, giving them more autonomy over every stage of the process. Transparency: By owning their media buying, brands can gauge a better understanding of their ROI. Engagement: Customers continuously move from channel to channel. Keeping buying in-house helps brands keep up. Leverage: Brands can leverage their first-party data to create and execute in-house strategies. The last of these is particularly important. Following the introduction of GDPR, brands are under a significant amount of scrutiny regarding how they use customer data. By keeping this in-house, brands can have more control over how their data is both stored and used, without sharing it with third parties. Making the Investment Naturally, this change to the advertising landscape is already having implications across the wider industry. Sir Martin Sorrell, formerly of WPP, believes that brands moving in-house will be a “short lived trend” brought on by a reaction to “serious economic conditions”. However, this may not necessarily be the case. In addition to the benefits listed above, the significant investment required to move Programmatic in-house means that brands are likely to look to this as a longer-term solution.This not only involves investment in a DMP and the right technology but, more crucially, in building the right team. Without this team, any in-house venture is unlikely to succeed, regardless of technological investment. On Your Doorstep The good news is that this provides several new opportunities for Digital Analytics professionals. With 39% of Marketing Executives believing that a skills shortage is responsible for holding back Programmatic growth, there is a huge demand for the right talent, both permanent and contract. And, with this skills shortage, there is opportunity for Web and Marketing Analysts to expand their skillsets and move into the position of Media or Audience Analyst. By upskilling in media trading platforms such as AppNexus and DoubleClick, digital analysts can further enhance their expertise. When combined with the ability to visualise using Python or R they find themselves well positioned for some of the most in-demand roles around. If you’re looking for the opportunity to play an instrumental role in growing an in-house team, we may have a role for you. Take a look at our latest jobs, or get in touch by calling us on +44 20 8408 6070 or emailing info@harnham.com. This article was originally written for London MeasureCamp in September 2018. 

Daniel Lewis

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News

From Idea to Impact: How Charities Use Data

It’s that time of year again. As the festive season draws near and we pull together wish lists, many of us also begin to think about how we can give back. Given that the UK spent over £7 billion this Black Friday and Cyber Monday weekend, it’s not surprising that the idea of Giving Tuesday is becoming more and more popular.  But with 160,000 registered charities in the UK alone, institutions are turning to data to find new ways to stand out and make a greater impact.  Far from just running quarterly reports, charities are now utilising the insights they gain from data to inform their strategies, improve their services and plan for the future.  IDEAS Given that not every charity is lucky enough to go viral with an Ice Bucket Challenge style video, there is a need to find other ways to stand out in such a crowded market. As such, many are looking to the data they have collected to help create a strategy. 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This ‘trust deficit’ has resulted in vast amount of potential donors staying away, with recent research highlighting that only 11% of people are willing to share their data with a charity, even if it means a better service.  Whilst charities with effective Data Governance are able to use their vast amount of data to enhance those business, those who mismanage it are likely to suffer. Following a cyber-attack that exposed the data of over 400,000 donors, the British and Foreign Bible Society were fined £100,000. As hackers were able to enter the network by exploiting a weak password, this serves as a timely reminder that our data needs not only to be clean, but secure.  Financial implications aside, improper data usage can also do irreversible damage to a charity’s reputation. St Mungo’s has faced criticism for passing information about migrant homeless people to the Home Office, putting them at risk of deportation. Whilst they were cleared of any wrongdoing by the ICO, this controversial use of data has had a negative impact on the charity’s image. With a decline in the number of people donating to charity overall, anything that can put people off further is bad news.  IMPACT Whilst there is more demand than ever for charities to share their impact data, there is also more opportunity. With Lord Gus O’Donnell urging charities to make data an ‘organisation-wide priority’, many are going beyond publishing annual reports and fully embracing a culture shift. Youth charity Keyfund have been able to justify how the spend their funds based on their impact data. Having heard concerns from fundraisers regarding whether their leisure projects were effective they looked at the data they had gathered from the 6,000 young people they were helping. 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Kirsty Garshong

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