Ikano Bank – Head of B2C

Referring to the Head of Credit of Ikano Bank Group you will as Head of B2C play an active and significant role within the organisation and across borders in bringing Ikano Bank to the next level seen in an end-2-end perspective of credit risk management. Heading up the central 1st line of defence, you will be taking on the responsibility for the B2C credit risk activities and be part of the credit decision process and governance.

Your responsibility has a strong focus on B2C credit risk, but spans from market, regulatory and operational activities to enterprise risk in a global perspective of the Ikano Bank organization in our present B2C markets. Our ambition is to strengthen our presence in additional markets going forward. Our long-term goal is to get smarter in our risk decisioning. We need to balance rapid changes in the regulatory landscape with new ways of working, in order to deliver sustainable offerings for a healthy economy to the many people and businesses. The future is based on real-time data driven approval process and a technology that enables faster changes in the credit decisioning process

Overall, you will be a strong support and drive the global B2C credit strategy e.g. policies, procedures, processes, systems & tools, as well as you will ensure assessment and monitoring of risk in such a way that B2C credit risks remain well identified and controlled. You will proactive drive the B2C credit risk agenda on an E2E perspective throughout the bank with clear KPIs, monitoring and action points follow-up. This includes cross-border knowledge sharing, stakeholder management and projects as well as supporting the countries in their credit decisioning process. The position is a global position and consists of a number of cross-country activities. All in making alignment where we can and go local when we need to.

You will be part of Ikano Bank, where we create possibilities for a better living by providing banking and financial services. We do it with different perspectives, natural curiosity and long-term focus. A unique chance for greater responsibility and future opportunities. Let’s achieve great things together.

Are you the one for Ikano?

Your educational background is either at Master/BA-level or via an education within the banking sector.

The basic requirement is a solid experience in terms of min. 5 years of experience within financial services in a B2C credit risk function. Your experience includes B2C credit risk from a legal and regulatory perspective being familiar with ICAAP/ILAAP, capital reporting, scorecards, PQR configuration and IFRS9 modelling. Furthermore, you have a strong mind-set of B2C credit risk and has experience in working with B2C credit risk strategies, analysis, risk appetite, policies, guidelines etc. Finally, you have experience in working cross-country and can lead and support that matrix relationship.

You are business-oriented, proactive, results-driven and motivated by having a key role in this Northern European organisation. Your personality is characterised by the ability to work independently and being self-motivated, but also by a relationship-building approach and excellent communication skills being able to engage and influence stakeholders. You are fluent in English (speaking/writing) as well as one of the Scandinavian languages. The working place is Ikano Bank’s headquarter, which is based 5 minutes-walk from Hyllie station. For the right candidate we are open to other workplaces where Ikano Bank is located.

We offer you

Operating at the centre of events, you will have an active role in various decision forums, represent us to external partners and create a great foundation for further development. This position is more than what meets the eye. You will get the chance to push boundaries and influence your daily work. All as part of a caring and open culture where we live our values, work hard, have fun and operate with a long-term perspective. Because here opportunities arise and growth follows.

How to apply

Ikano Bank is partnering up with Academic Search International. For further questions, please contact Senior Consultant Marcus Kleine, / +46 73 650 31 77 or Researcher Sara Henriksson, / +46 70 165 31 96. All information is handled confidentially in accordance with Academic Search Integrity Policy as well as the new data protection act, GDPR. This means that we can only process applications coming through the applications system. Thank you for your understanding.

Please send your application as soon as possible, no later than 30 November 2021.

About Ikano

Ikano Bank offers simple and attractive savings and loan products for consumers, sales support services for retailers, and leasing and factoring solutions for corporate customers. Ikano Bank has a presence in Sweden, Denmark, Finland, Norway, the UK, Poland, Germany and Austria. Ikano Bank is part of Ikano Group, who is an international group of companies operating in the areas of banking, insurance, residential and retail. At Ikano, our vision is to create possibilities for better living. We do this by working together to create simple and meaningful solutions based on fair terms that bring value to our customers. Ikano Group was established in 1988 and is owned by the Kamprad family. Find out more about us on

Ikano Bank – Head of B2C

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