NPL Senior Analyst
About the Role
TF Bank AB is seeking a dynamic and hands-on professional to join our team as an NPL Analyst. In this role we are looking for an analytical and detail-oriented professional to manage LGD/RR curve modeling, monitor recovery performance across all the banks 12 country portfolios and 3 distinct product lines. Provide ad-hoc valuations for NPL portfolios to support debt sales strategies. For the majority of the portfolios/products, the data for the analysis/valuation will grow on the monthly basis.
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:
- Model Development: Develop and refine LGD/RR models to accurately project recovery rates, adapting to portfolio-specific characteristics and evolving trends.
- 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 banking or NPL-related fields.
- A degree in science, finance or economics and/or a strong experience in financial and macroeconomic markets.
- Minimum of 3+ years of experience with credit risk, provision modelling and IFRS9.
Preferred Skills:
- Expertise in analyzing DCA performance to maximize collection efficiency.
- Technical skills in SQL, R, VBA, or Python are highly advantageous.
- Department
- Risk & Decision Analytics
- Role
- NPL Senior Analyst
- Locations
- Tallinn
Tallinn
About TF Bank
TF Bank is a digital bank offering consumer banking services and e-commerce solutions through a proprietary IT platform with a high degree of automation. The platform is designed for scalability and adaptability to different products, countries, currencies and digital banking solutions. TF Bank prioritizes organic growth under controlled conditions and expansion is taking place in carefully selected segments and markets. Operations are conducted in the Nordics, the Baltics, Poland, Germany, Austria, Spain, Ireland, the Netherlands and Italy through subsidiary, branch, or cross-border banking with the support of the Swedish banking license.
The business is divided into three segments: Credit Cards, Ecommerce Solutions and Consumer Lending. The target group for all services is creditworthy private individuals, and the loan amounts are relatively small with short repayment terms. TF Bank also offers deposit products in several markets.
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