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 bank's 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 a 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!
#J-18808-Ljbffr