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Credit Analyst

Credit Analyst

We are looking for a Credit Analyst to join our Credit function. You will work closely with the commercial side supporting Bambora’s growth and value creation ambitions. Our function is responsible for ensuring that Bambora is in good control of the credit risks associated with the card acquiring product, as well as managing and continuously developing credit risk models and policies. 

As a Credit Analyst you will prepare credit memos and annual reviews of counterparties to assess their credit quality and to recommend appropriate credit limits, terms and conditions, and present to the Group Risk Committee for decision. The underwriting process includes analyzing financial statements (P&L, BS and CF), reviewing the client’s business risk, industry dynamics and competitive environment. You will work closely with the sales organization and attend meetings with customers.

We are looking for the person who can identify to the following characteristics
Result oriented and diligent with a strong ability to prioritize work in a fast paced and changing environment. You have a good sense of responsibility and always strive for perfection and deliver simplicity. Previous experience with credit assessment, including assessing financial statements and business risk profiles.


  • You have a degree in finance, accounting or similar
  • Minimum 2 years of analytical experience related to commercial credit assessment, having a deep understanding of financial statements and accounting concepts
  • Strong communication skills – orally as well as written/reports – in English (Swedish is desirable but not essential)

Responsibilities with the role

  • Carrying out (annual/periodic) credit reviews of assigned limits and recommend risk class, changes in limit and collateral setup based on the outcome of the analysis
  • Conduct full credit assessment of new prospects
  • Being well prepared and perform credible presentations in the credit committee
  • Supporting the Boarding & Activation team as well as Sales in credit-related matters

Become a Bamborian 

The payment market is rapidly changing, and Bambora is a part of that change. We are a payment company with global presence and a mission to simplify payments for small and midsized merchants whether that business is instore, online or in-app. Our head office is in Stockholm, Sweden, but our work reaches people worldwide. Since the payment market is international, we have offices in Nordics as well as in Switzerland, Canada and Australia. Today we have around 750 employees and we keep growing all the time. In July 2017, we became part of Ingenico Group, one of the world's largest payment companies, which provides increased opportunities for us to simplify payments and help customers grow worldwide.

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Vasagatan 16
SE-111 20 Stockholm Directions


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