Head of Credit Data

Ready to shape the data foundation that every credit decision at NOBA rests on? As Head of Credit Data, you’ll decide what data we buy, what we build and what good looks like – so that scorecards, credit rules, analytics and AI tools run on the best input. It’s a role with real weight, and a rare chance to work on what may be the largest credit-relevant dataset in the Nordics.

About the role:
We are Credit & Analytics, the team behind every credit decision across all our markets and brands – the logic, process, software and analytics that handle about 25 million applications per year. Credit data is the raw material for all of it, from scorecards and pricing to our AI tools. We’re rewiring how we work, and we need someone exceptional to own the data side of that journey. As Head of Credit Data, you own the data that powers credit granting: which sources we use, what we require of them, what they cost and how they’re made available. You sit between the credit business and our data engineers, translating between the two.

Your main responsibilities include:

• Setting the requirements for, and structure of, our credit data – quality, coverage, lineage and timeliness – so it can be used for scorecards, credit rules, analytics and AI tools, with a clear view of what good looks like

• Helping teams across NOBA further increase the return on our data

• Owning our agreements with credit bureaus and external data providers across multiple countries, with overall responsibility for optimising our Credit Information Costs, a budget of around 100 MSEK

• Working closely with the credit business to prioritise what matters most, and turning that into concrete deliveries for the data engineering team

• Providing strategic leadership for the NOBA Credit Data function and driving the development of its people, capabilities and ways of working
  

Who we’re looking for
You’re analytical and structured, with a clear view of what good looks like and the drive to get there. You find novel solutions to complex problems, build strong relationships and listen to turn ambiguous asks into precise requirements. Your satisfaction comes from moving the needle.

On top of this, we’re looking for you who have:

• An M.Sc. or equivalent from a demanding field, with university-level mathematics and strong analytical judgment

• Expert-level knowledge of the Nordic credit data market, with hands-on experience of bureau datasets for prediction – ideally the full process of scanning, acquiring, negotiating and implementing credit-relevant data, then building models and tracking performance

• Senior experience in banking and/or consumer credit, with a deep understanding of how credit data feeds models, rules and analytics

• Proven software development skills, including managing larger software projects end to end, and advanced use of AI development tools

• Experience driving initiatives in complex stakeholder environments, bridging business and engineering, and communicating clearly with both technical and senior audiences

We’re early in rewiring how credit is underwritten with modern data and AI tooling, so this is a chance to set the standard rather than inherit one. If you want to create something truly outstanding at the core of banking, we’d love to hear from you.

In addition to this, it is important to us that you recognize yourself in our values: we are wholehearted, we collaborate and we take the lead.

Have you heard of NOBAVERSE?
In our NOBAVERSE, we value openness, trust, and diversity. Here, you can influence your own development and have fun along the way to achieving our goals – all in a workplace that’s a little extra bubbly! ✨
Read more about our employee value proposition on our careers page.

Read more about how our recruitment process works in the FAQ.

We care for your privacy and, with reference to the GDPR, would like to ask you not to include any sensitive personal data in your application, for examples information about ethnic origin, political opinions, religious beliefs or information about your health.

Read more about how we handle your personal data here.

If you have any questions or concerns about the position, please contact the responsible recruiter.

We look forward to receiving your application! 🙏✨