Fullstack Credit Manager

Fairlo

. Contribute to credit strategy and policy, including lending eligibility, amounts, pricing, cut-offs, rules and limits .

Posted 11/11/2026full-timeStockholm • SwedenMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit strategy development and execution, leveraging data-driven insights to optimize lending policies and customer targeting. Proficient in SQL and data analysis using Python or Excel, with a strong understanding of credit scoring and regulatory compliance.

Highest-signal resume keywords

Credit Strategy DevelopmentSQL ProficiencyData Analysis in PythonCredit Scoring FamiliarityRegulatory Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit StrategyData AnalysisSQLPythonExcelCredit ScoringPricingForecastingDecision Engine ConfigurationOpen Banking

Soft Skills

Clear CommunicationCreativityOwnershipCollaborationCommercial Instinct

Industry Keywords

Consumer CreditFintechDigital LenderCredit Risk ManagementSwedish Credit MarketNiche BankBanking Licence ProcessCollectionsAffordabilityForbearance

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Contribute to credit strategy and policy, including lending eligibility, amounts, pricing, cut-offs, rules and limits
Balance growth, risk and profitability using expected default rates, unit economics and lifetime value
Take ideas from hypothesis through production and run champion/challenger tests
Monitor portfolio performance, vintages, arrears and provisioning
Build warning indicators and act early on findings
Collaborate with marketing on targeting, offers and channels
Identify good customers currently being missed, including customers who do not request higher limits
Convert new data such as open banking into practical credit rules
Work with data scientists when models are needed
Collaborate with collections and customer teams on fair treatment of customers in financial difficulty
Build scalable, automation-driven credit analysis and reporting
Contribute to regulatory readiness for becoming a licensed bank
Work alongside credit risk managers in Sweden and the UK and data scientists building models

Requirements

What you’ll need

5+ years in consumer credit, ideally at a fintech or digital lender, across more than one part of the lifecycle
Track record of setting credit strategy and executing it from analysis to production and results
Sound data-driven judgement and willingness to adjust decisions based on results
Strong SQL
Comfortable analysing data in Python or Excel
Familiarity with credit scoring, pricing and forecasting
Commercial instinct involving conversion, unit economics and lifetime value
Creativity and ownership in a small team
Clear and concise communication
Hands-on experience with open banking or PSD2 transaction data is an advantage
Experience configuring a decision or rules engine is an advantage
Growth or marketing analytics alongside credit is an advantage
Collections, affordability or forbearance experience is an advantage
Knowledge of the Swedish credit market, regulation and bureau data is an advantage
Experience from a credit institution, niche bank or banking licence process is an advantage

Benefits

Comp & perks

Health insurance
Pension at ITP level
Health and wellness allowance
30 days of vacation per year plus klämdagar off
Possibility to use the Fairlo Cretan house for work and vacation stays
Possibility of bike leasing
Hybrid working model with flexible working hours
Educational expenses for courses or books
Top-of-the-line IT equipment of your choice
Life insurance
Access to offices in Stockholm, Heraklion, or London