About Froda

Founded in 2015, Froda’s mission is to democratize access to financing, giving small businesses the same growth opportunities as large ones. Through digital innovation, we’ve transformed the loan process from months to minutes, offering fair, fast, and accessible financing. Now, through embedded lending, we’re integrating our technology with global banks and fintechs, building the next generation of lending infrastructure. Join us in creating opportunities for small businesses to invest in their ideas to the best possible terms.

About the role

As a Senior Credit Risk Analyst, your primary objective will be to identify, assess, and mitigate credit risks across our portfolio. You will collaborate closely with cross-functional teams, including underwriting, data science, product, and collections, to develop effective risk management practices. By employing analytical techniques and industry best practices, you will help ensure that Froda manages its credit risk effectively.

In this role, you will:

• Monitor credit risk across products and portfolios, identify emerging risks, and recommend appropriate risk mitigation measures.

• Monitor macro-economic development and analyse portfolio impact.

• Conduct stress testing, loan loss forecasting and ad-hoc thematic analysis into specific segments

• Monitoring and analysis of non-performing exposures including LGD analysis and valuation support for divestment

• Oversee and develop impairment models and analyse results

• Collaborate with business analysis, data science, collections and product to develop our credit models, underwriting practices and risk management practices to meet the company risk appetite

• Regular reporting to credit committee, impairment committee, management and board of directors on credit risk development

• You will report directly to the Chief Credit Officer / Deputy CEO

Who you are

• B.Sc. in finance, economics, engineering, or a related field (Master's degree preferred).

• Proven experience in credit risk management within the financial services industry.

• Proficiency in data analysis with experience from SQL and Python

• Exceptional analytical and problem-solving skills, with the ability to interpret and visualize complex data and provide actionable insights.

• A curious mindset to and genuine interest in technology, credit models as well as business perspectives to provide an in-depth understanding of Froda’s underwriting and portfolio dynamics

• Strong understanding of lending and underwriting principles, as well as credit risk mitigation strategies.

• You have a pragmatic mindset and are able to identify and prioritize the significant risks

• You have proven experience working in fast-paced, collaborative environments and are comfortable managing multiple projects simultaneously.

• You are fluent in English

What’s in it for you?

At Froda, you’ll be part of a company that combines the best of both worlds, a fast-moving, high-energy culture with the stability and structure to support long-term success. We’re 100+ ambitious self-starters who genuinely care for each other and the work we do, all while having fun together.

In this role, you’ll work at the core of our lending business, with a direct impact on how we understand and manage credit risk. You’ll take ownership of analyses that shape risk decisions, collaborate closely with senior stakeholders, and play a key role as we scale our lending across Europe.

Furthermore, you’ll get:

• An opportunity to work hands-on with credit risk at scale, influencing portfolio performance and long-term risk strategy

• Fabulous office overlooking Stockholm and a friendly culture that values work/life balance

• We prioritize working in the office to maximize the positive impact of in-person collaboration, but we offer flexibility with work hours and remote work

• Competitive compensation package

• Insurance and pension plan

If you're excited by the opportunity to shape how we understand and manage credit risk in a fast-growing fintech, apply or tell a friend!