Senior Credit Risk Business Analyst

Are you a senior Business Analyst with passion for Credit Risk? In Swedbank you have the opportunity to: Analyze, document, and manage business requirements throughout the development lifecycle Support APOs in breaking down Program Epics into Features and User Stories. Translate business needs into functional and technical specifications. Perform data analysis and validation using SQL and SAS to support requirements, testing, and incident investigations. Plan, coordinate, and execute testing activities, including quality assurance and user acceptance testing (UAT). Ensure that documentation of credit risk models, processes, and system solutions is accurate, complete, and up to date. Develop, maintain, and support the operation of credit risk models in accordance with business and regulatory requirements. Create and maintain process descriptions, functional documentation, and other governance-related artefacts. Assess the impact of new or changed system functionality on credit risk processes, models, and reporting. Act as a bridge between business stakeholders, risk specialists, and IT teams to ensure successful delivery of initiatives. Contribute to continuous improvements of processes, systems, data quality, and ways of working. What is needed in this role: Bachelor's or Master's degree in a relevant field. A few years of experience as a Business Analyst, or similar role, in the credit risk domain. Knowledge of the Basel framework and the Internal ratings-based (IRB) approach. Strong business analysis skills, including requirements elicitation, documentation, and stakeholder management. Proven ability to plan, execute, and support tests. Strong business support and incident analysis capabilities. Advanced SQL skills, including the ability to write, optimize, and troubleshoot queries for data analysis, validation, and root cause investigations. Experience working with data models, data quality assurance, and data-driven decision-making in the credit risk/IRB area. Strong communication skills and the ability to translate business needs into technical requirements. Ability to work independently in a complex, cross-functional environment. Team-oriented mindset with a willingness to share knowledge and collaborate across functions. Proficient in Swedish and English. Experienced in SAS® 9 and/or SAS® Viya platforms. With us, you can experience: Personal and professional growth through self-leadership and continuous development. Meaningful work that positively impacts our workplace, our customers, and society. An open and collaborative culture that encourages cross-functional teamwork and provides networking opportunities. A supportive and inclusive environment that promotes a balanced and sustainable work-life, with flexible working conditions when suitable for the role. Enjoy country-specific benefits, including banking offers, a pension plan, our share-based reward program, health insurance in the Baltics and a health allowance in Sweden. "Join our team and... become part of a knowledgeable and helpful team, working together to implement reliable credit risk models which are of great importance to Swedbank." Frida Nilsson, your future manager We look forward to receiving your application by 18.10.2026.  Location: Umeå Recruiting manager: Frida Nilsson, +46 73 033 79 46 We may begin the selection during the application period, so we welcome your application as soon as possible. We would like to let you know that a background check and a drug test may be a part of the process for this role. We have made our choice regarding recruitment media and therefore kindly decline contact with ad sellers or sellers of other recruitment services. Swedbank does not discriminate anybody based on gender, age, sexual orientation or sexual identity, ethnicity, religion or disability – everybody is welcome.