{"data":{"id":148429,"slug":"kreditchef-till-creditstar-sweden-ab-2","type":"job","title":"Chief Credit Officer at Creditstar Sweden AB","description":"Are you ready to take the next step in a strategic leadership role? We are now seeking a Chief Credit Officer who wants to take full responsibility for the credit area, contribute to the company's continued development, and play a central role in the management team.\n\nAbout the Role\n\nAs Chief Credit Officer (CCO), you have overall responsibility for the company's credit risk, credit policies, automated scoring models, and portfolio quality. You ensure that lending is kept within the Board's established risk appetite and that operations comply with the Financial Supervisory Authority's regulations, the Consumer Credit Act, AML, and GDPR. As CCO, you are part of the management team and have a key role in how the company is shaped, operated, and grows.\n\nIn the current build-up phase, you will initially also have operational leadership responsibility for the combined Operations function in Gothenburg. Here you lead a team that currently handles everything from manual deviations in the credit flow to first-line AML and customer service.\n\nAs the company and volumes grow, the plan is to spin off the customer service team to a dedicated Head of Operations. This means that over time you can choose to either hand over customer service responsibility and focus your assignment entirely on credit risk, model ownership, strategy, and portfolio development, or continue to develop within Operations and own the entire customer journey.\n\nIf you are based in the Stockholm office, you are initially expected to be in Gothenburg regularly (approximately 20% of your time) to coach the team on-site and strengthen collaboration.\n\nLocation: Gothenburg or Stockholm\nScope: Full-time (part-time option available)\n\nKey Responsibilities\n\nCredit Risk & Portfolio Analysis: Continuously analyze portfolio composition, trends, credit losses, and work risk-based to protect the balance sheet and optimize asset quality.\n\nModel Ownership & Risk Pricing: Own, maintain, and further develop automated credit decision processes and scoring models, and act to ensure sound and risk-based pricing.\n\nImprovement Work: Independently drive improvements in credit and operations where you balance growth, risk, and customer experience.\n\nRegulatory Compliance & Reporting: Ensure responsible lending and deliver regular, high-quality credit risk reporting and analyses to the Board and management. Act as a contact point with the Financial Supervisory Authority (FI) and external auditors when needed.\n\nOperational Leadership: Lead, coach, and resource plan for the operational team in Gothenburg. Ensure high efficiency in handling system deviations, manual document verification, first-line AML\/KYC, and claims management.\n\nCustomer Experience & Quality Assurance: Take responsibility for operational customer experience, proactively identify friction points in the onboarding flow, and ensure that all customer information is correct, clear, and easy to understand.\n\nYour Profile\n\nWe are looking for someone who is confident in their role and has regulatory maturity with engaged and coaching leadership. You are curious and want to find smart ways of working, and you are driven to make things better. You are thorough and have high integrity, and you enjoy switching between strategic and operational perspectives. You don't need to be a specialist in advanced modeling, but you are expected to have a solid understanding of credit risk calculations, portfolio analysis, and credit assessment models (including IFRS 9 principles).\n\nQualifications\n\n\u2022 Academic degree in finance, economics, mathematics, or equivalent.\n\n\u2022 Several years of experience in leading or senior roles in credit risk and lending from banking, fintech, or consumer finance.\n\n\u2022 Good understanding of Swedish and European consumer credit legislation, responsible lending, and risk and capital protection.\n\n\u2022 Documented experience in leadership with the ability to lead and build culture.\n\n\u2022 You are welcome to have experience working with automated credit decision processes and collaboration with tech and product teams.\n\n\u2022 Fluent knowledge of Swedish and English in both speech and writing.\n\nWhat Creditstar Offers\n\n\u2022 Central Key Role: An opportunity to be part of the Swedish management team and shape the company's credit operations from the ground up during an exciting growth journey.\n\n\u2022 Broad and Varied Role: Get unique breadth covering everything from overall risk strategy and Board reporting to operational leadership and CX development.\n\n\u2022 Clear Development Path: A scalable organization where your role develops in line with company growth.\n\n\u2022 Attractive Package: Competitive compensation, flexible work culture (including hybrid work after the introduction phase), wellness allowance, company events, and always off on your birthday.\n\n\u2022 Modern offices in central Stockholm and Gothenburg.\n\nAbout Creditstar\n\nCreditstar is in an exciting and transformative growth phase. They offer flexible, digital loans for the Swedish consumer market. By combining a fully automated, cloud-based infrastructure with data-driven decision systems, they deliver smooth and responsible financial services to their customers.\n\nNow the company is taking the next big step and preparing for a license as a credit market company with the Financial Supervisory Authority. As the new CCO, you will be a key person in the management team. You will have direct influence over the company's portfolio development, risk culture, and the operational organization that meets Creditstar's customers every day.\n\nQuestions and Contact\n\nIn this recruitment, Creditstar Sweden AB is collaborating with Amendo. If you have any questions about the position, you are welcome to contact recruitment consultant Hel\u00e9ne Hansson at helene.hansson@amendo.se. Since we meet candidates continuously and the position may be filled before the final application deadline of August 31, you are warmly welcome to apply as soon as possible. We look forward to your application.\n\n#LI-HH1\n#ekonomi","language":"sv","is_translated":true,"title_original":"Kreditchef till Creditstar Sweden AB","description_original":"\u00c4r du redo att ta n\u00e4sta steg i en strategisk ledarroll? Vi s\u00f6ker nu en kreditchef som vill ta ett helhetsansvar f\u00f6r kreditomr\u00e5det, bidra till bolagets fortsatta utveckling och spela en central roll i ledningsgruppen.\nOm rollen\nSom kreditchef (CCO) har du det \u00f6vergripande ansvaret f\u00f6r bolagets kreditrisk, kreditpolicyer, automatiserade scoringmodeller och portf\u00f6ljkvalitet. Du s\u00e4kerst\u00e4ller att kreditgivningen h\u00e5lls inom styrelsens fastst\u00e4llda riskaptit och att verksamheten efterlever Finansinspektionens regelverk, konsumentkreditlagen, AML och GDPR. Som CCO ing\u00e5r du i ledningsgruppen och har en nyckelroll i hur bolaget formas, drivs och v\u00e4xer.\nI nuvarande uppbyggnadsfas har du inledningsvis \u00e4ven det operativa ledaransvaret f\u00f6r den samlade Operations-funktionen i G\u00f6teborg. H\u00e4r leder du ett team som f\u00f6r n\u00e4rvarande hanterar allt fr\u00e5n manuella avvikelser i kreditfl\u00f6det till 1:a linjens AML och kundservice.\nI takt med att bolaget och volymerna v\u00e4xer \u00e4r planen att knoppa av kundserviceteamet till en dedikerad Head of Operations. Det inneb\u00e4r att du \u00f6ver tid kan v\u00e4lja att antingen l\u00e4mna \u00f6ver kundserviceansvaret och renodla ditt uppdrag helt mot kreditrisk, modell\u00e4garskap, strategi och portf\u00f6ljutveckling eller forts\u00e4tta utvecklas inom Operations och \u00e4ga kundresan fullt ut.\nOm du utg\u00e5r fr\u00e5n kontoret i Stockholm f\u00f6rv\u00e4ntas du initialt vara i G\u00f6teborg regelbundet (ca 20% av din tid) f\u00f6r att coacha teamet p\u00e5 plats och st\u00e4rka samarbetet.\nPlacering: G\u00f6teborg eller Stockholm\nOmfattning: Heltid (m\u00f6jlighet till deltid finns)\nHuvudsakliga ansvarsomr\u00e5den\nKreditrisk & Portf\u00f6ljanalys: Kontinuerligt analysera portf\u00f6ljens sammans\u00e4ttning, trender, kreditf\u00f6rluster och arbeta riskbaserat f\u00f6r att skydda balansr\u00e4kningen och optimera tillg\u00e5ngskvaliteten.\nModell\u00e4garskap & Riskpriss\u00e4ttning: \u00c4ga, underh\u00e5lla och vidareutveckla automatiserade kreditbeslutsprocesser och scoringmodeller samt agera f\u00f6r en sund och riskbaserad priss\u00e4ttning.\nF\u00f6rb\u00e4ttringsarbete: Sj\u00e4lvst\u00e4ndigt driva f\u00f6rb\u00e4ttringar inom kredit och operations d\u00e4r du balanserar tillv\u00e4xt, risk och kundupplevelse.\nRegelefterlevnad & Rapportering: S\u00e4kerst\u00e4lla ansvarsfull kreditgivning och leverera regelbunden, h\u00f6gkvalitativ kreditriskrapportering & analyser till styrelse och ledning. Agera kontaktyta mot Finansinspektionen (FI) och externa revisorer vid behov.\nOperativt Ledarskap: Leda, coacha och resursplanera f\u00f6r det operativa teamet i G\u00f6teborg. S\u00e4kerst\u00e4lla h\u00f6g effektivitet vid hantering av systemavvikelser, manuella dokumentverifieringar, 1:a linjens AML\/KYC och kravhantering.\nCustomer Experience & Kvalitetss\u00e4kring: Ansvara f\u00f6r den operativa kundupplevelsen, proaktivt identifiera friktionspunkter i onboardingfl\u00f6det och s\u00e4kerst\u00e4lla att all information till kund \u00e4r korrekt, tydlig och l\u00e4ttf\u00f6rst\u00e5elig.\nDin profil\nVi s\u00f6ker dig som \u00e4r trygg i din roll och har en regulatorisk mognad med ett engagerat och coachande ledarskap. Du \u00e4r nyfiken och vill hitta smarta s\u00e4tt att arbeta p\u00e5 och drivs av att g\u00f6ra saker b\u00e4ttre. Du \u00e4r noggrann och har en h\u00f6g integritet och tycker om att v\u00e4xla mellan strategiska och operativa perspektiv. Du beh\u00f6ver inte vara specialist p\u00e5 avancerad modellering, men du f\u00f6rv\u00e4ntas ha en solid f\u00f6rst\u00e5else f\u00f6r kreditriskber\u00e4kningar, portf\u00f6ljanalys och kreditbed\u00f6mningsmodeller (inklusive IFRS 9-principer).\nKvalifikationer\n\nAkademisk examen inom finans, ekonomi, matematik eller motsvarande.\n\n\nFler\u00e5rig erfarenhet fr\u00e5n ledande eller seniora roller inom kreditrisk och kreditgivning fr\u00e5n bank, fintech eller konsumentfinansiering.\n\n\nGod f\u00f6rst\u00e5else f\u00f6r svensk och europeisk konsumentkreditlagstiftning, ansvarsfull kreditgivning samt risk- och kapitalskydd.\n\n\nDokumenterad erfarenhet av ledarskap med f\u00f6rm\u00e5ga att leda och bygga kultur.\n\n\nDu f\u00e5r g\u00e4rna ha erfarenhet av att arbeta med automatiserade kreditbeslutsprocesser samt samarbete med tech- och produktteam.\n\n\nFlytande kunskaper i svenska och engelska i b\u00e5de tal och skrift\n\n\nVad Creditstar erbjuder\n\nCentral nyckelroll: En m\u00f6jlighet att ing\u00e5 i den svenska ledningsgruppen och forma bolagets kreditverksamhet fr\u00e5n grunden under en sp\u00e4nnande tillv\u00e4xtresa.\n\n\nBred och varierande roll: F\u00e5 en unik bredd som t\u00e4cker allt fr\u00e5n \u00f6vergripande riskstrategi och styrelserapportering till operativt ledarskap och CX-utveckling.\n\n\nTydlig utvecklingsv\u00e4g: En skalbar organisation d\u00e4r din roll utvecklas i takt med bolagets tillv\u00e4xt.\n\n\nAttraktivt paket: Konkurrenskraftig ers\u00e4ttning, flexibel arbetskultur (inklusive hybridarbete efter introduktionsfasen), friskv\u00e5rdsbidrag, f\u00f6retagsevent och alltid ledigt p\u00e5 din f\u00f6delsedag.\n\n\nModerna lokaler i centrala Stockholm och G\u00f6teborg\n\n\nOm Creditstar\nCreditstar befinner sig i en sp\u00e4nnande och transformativ tillv\u00e4xtfas. De erbjuder flexibla, digitala l\u00e5n f\u00f6r den svenska konsumentmarknaden. Genom att kombinera en helt automatiserad, molnbaserad infrastruktur med datadrivna beslutssystem levererar de smidiga och ansvarsfulla finansiella tj\u00e4nster till sina kunder.\nNu tar bolaget n\u00e4sta stora kliv och f\u00f6rbereder inf\u00f6r tillst\u00e5nd som kreditmarknadsbolag hos Finansinspektionen. Som ny CCO blir du en nyckelperson i ledningsgruppen. Du f\u00e5r ett direkt inflytande \u00f6ver bolagets portf\u00f6ljutveckling, riskkultur och den operativa organisation som m\u00f6ter Creditstars kunder varje dag.\nFr\u00e5gor och kontakt\nI denna rekrytering samarbetar Creditstar Sweden AB med Amendo. Vid fr\u00e5gor om tj\u00e4nsten \u00e4r du v\u00e4lkommen att kontakta rekryteringskonsult Hel\u00e9ne Hansson p\u00e5 helene.hansson@amendo.se. D\u00e5 vi tr\u00e4ffar kandidater l\u00f6pande och tj\u00e4nsten kan komma att tills\u00e4ttas innan sista ans\u00f6kningsdatum, 31 augusti, \u00e4r du varmt v\u00e4lkommen att s\u00f6ka tj\u00e4nsten s\u00e5 snart som m\u00f6jligt. Vi ser fram emot din ans\u00f6kan.\n#LI-HH1\n#ekonomi","price":null,"currency":"SEK","status":"active","noindex":false,"location":{"address":"Sankt Eriksgatan 6","full_address":null,"city":"G\u00f6teborg","country":"SE","latitude":57.709740545858,"longitude":11.965422073853},"metadata":{"region":"V\u00e4stra G\u00f6talands l\u00e4n","duration":"Tills vidare","employer":"Amendo Konsult & Rekrytering AB","postcode":"41105","positions":1,"profession":"Kreditchef","salary_type":"Fast m\u00e5nads- vecko- eller timl\u00f6n","employer_url":"https:\/\/jobb.amendo.se","scope_of_work":"100\u2013100 %","working_hours":"Heltid","employment_type":"Vanlig anst\u00e4llning","occupation_field":"Administration, ekonomi, juridik","employer_workplace":"Amendo ","experience_required":true},"user_id":null,"is_sponsored":false,"views_count":1,"ai_views_count":3,"ai_vendor_counts":{"openai":2,"anthropic":1},"visibility":"public","submission_source":null,"submission_ai_name":null,"has_owner_email":true,"can_contact_owner":true,"phone":null,"owner_email":"helene.hansson@amendo.se","images":[],"published_at":"2026-08-11T10:08:46+00:00","expires_at":"2027-02-07T23:59:59+00:00","created_at":"2026-08-15T03:12:34+00:00","updated_at":"2026-08-19T02:48:35+00:00"}}