Zmarta has been part of how Swedish consumers compare and apply for loans for more than two decades. The brokerage is established, with its structure, partners and a steady flow of customers. Now Zmarta AB is taking the next step and becoming a Swedish credit market company (kreditmarknadsbolag), with its own lending and deposits.

The lending side is a blank page. We’re looking for the Chief Credit Officer who will write it - with the freedom to build like a founder, and an established business behind you.

WHAT YOU’LL BUILD

• The credit strategy that defines who we lend to, on what terms and at what price, including the affordability assessment (KALP) - and the policy the board signs off.

• The decision engine for automated underwriting and the data behind it, designed with AI at its core and every decision explainable to Finansinspektionen.

• The credit risk models, from probability of default (PD) and loss given default (LGD) to scorecards, that predict who will repay, and the early-warning loop that acts before a customer falls behind - and the collections strategy when they do.

• The governance. You chair the Credit Committee, shape the credit risk appetite that goes to the board, and own the credit-loss model (IFRS 9 expected credit loss).

• The team. As one of the first new members of the management team, you help shape who joins next - and then build your own.

Success is a lending business that grows profitably and sustainably, within the risk appetite the board sets - and that customers can trust to lend responsibly.

WHAT’S ALREADY IN PLACE

A loan brokerage that has run since 1999, long-standing relationships with Swedish banks and lenders, a steady flow of customers - and the compliance, risk and operations of a business built for a regulated market.

WHO YOU’LL WORK WITH

You report to the CEO, who brings more than 15 years in regulated Nordic consumer credit. A Chief Compliance Officer and a Chief Risk Officer are already in place, and the board has senior banking and finance experience.

WHO YOU ARE

You’ve built credit, not just run it: policies, scorecards or decision engines exist because of you. You’re at your best close to the data and the decisions, and you’re ready to carry the whole function at C-level - and to build much of it with your own hands in the first year.

You see AI and machine learning as the default way to build, and you know that a model you can’t explain to a supervisor is a model you can’t use. You bring a solid grounding in Nordic consumer credit, ideally Swedish.

WHAT YOU’LL NEED

• 5+ years in consumer credit risk, credit analytics or data science applied to lending at a regulated lender, including a credit policy, scorecard or decision engine you built that went live.

• Fluent Swedish and English.

• Nice to have: experience from Swedish unsecured consumer lending, or from a lender’s build phase.

WHY ZMARTA

• Founder freedom, established foundation. Build the lending business your way, without having to build a company from scratch around it.

• A C-level seat with a real mandate, in a small, senior management team with short decision paths.

• Competitive salary and benefits - and the chance to be on the founding team of a lender, from its very first loan.

HOW TO APPLY

The role is full-time and permanent, based in Helsingborg or Stockholm, with some travel within the Nordics.

Skip the standard cover letter. Instead, send your CV and a short note - half a page is plenty - about one thing in credit you built:

• What was the problem, and why did it matter?

• What did you build - a policy, a scorecard, a model, a decision flow - and which parts did you do yourself?

• What changed afterwards? Numbers if you have them.

• What would you do differently today?

There is no right size of project. A small model that moved approval rates tells us more than a large programme you oversaw. This is the part we read most closely, and our first conversation starts from what you write.

Please describe the work, not your employer’s data - nothing confidential.

We’re meeting candidates continuously, so don’t wait for a deadline - the sooner you join, the more of the lender you get to shape.