Senior Change & Process Specialist for Credit Policy and Change in Nordea Finance

About this opportunity

Welcome to Nordea Finance. We add value by offering the best solutions to our customer within the full range of finance company products in multiple sales channels. Nordea Finance has the expertise to service all customer segments across Nordea, offering asset finance and receivables finance rights across the Nordics. As the Senior Change & Process Specialist you will have a significant impact on how Nordea Finance manages credit risk in the Retail segment, from shaping credit policies and standards to driving improvements in how we originate, monitor and govern retail credit today and for the future.

Credit Policy and Change is responsible for developing and maintaining Nordea Finance's credit risk frameworks, policies and processes across the Nordics. The team leads change initiatives, drives regulatory compliance and partners with business and IT stakeholders to strengthen and modernise credit risk management and processes.

The position is a great opportunity to make your own impact on processes that touch thousands of customers across the Nordics, and to actively influence how those processes will evolve.

What you’ll be doing

• Own and develop Nordea Finance’s Retail credit risk framework, driving changes to ensure efficient and compliant credit risk handling.
• Lead the development and implementation of Retail credit processes and policies in collaboration with stakeholders across the Nordea Finance organization.
• Translate business requirements into IT development together with relevant stakeholders.
• Enhance and centralize Retail credit processes, exploring opportunities for improvement through AI utilization, new data sources and tools.
• Work closely with Credit Risk Management teams in Nordea Finance and stakeholders across Nordea Group.

The role is based in Warsaw. The position is a great opportunity to drive meaningful change and leave a real impact on retail credit risk management within the leading financing company in the Nordics. In this role you will report to the Head of Credit Policy and Change, Morten Jalksø.

Main responsibilities in this role

• Shaping the Future of Retail Credit: Explore and define next-generation ways of working, leveraging AI and frontier technologies to improve and automate credit granting decisions, while governing automated credit processes and ensuring robust controls.
• Change Ownership in Business & Credit Risk Management: Lead and support large-scale change initiatives within Nordea Finance, including the evolution of Loan Origination processes and Credit Customer Life-Cycles, while strengthening collaboration between Nordea Finance and Nordea Bank.
• Driving Efficiency and Strategic Value: Maximize the impact of Nordea Finance's partner ecosystem, analyse complex business challenges, and deliver solutions that create measurable value aligned with the overall strategy.
• Driving Nordea Finance's Retail Credit Processes: Establish Nordic alignment by implementing and maintaining the Retail part of Nordea's Credit Risk Framework, taking ownership of process changes and deliverables across multiple business channels and a diverse product portfolio spanning leasing, loans, inventory financing, and factoring.
• Cross-functional Collaboration: Partner with business stakeholders, the IT organization, and external data and service providers to drive development, enhance credit assessment quality, and maximize partner efficiency.

To succeed in this role, we are looking for a candidate who has strong experience from project management and IT development, as well knowledgeable on Credit Risk Management as well as general requirements of Capital Requirements Directive and Regulation (CRD) and (CRR).

Who you are

Collaboration. Ownership. Passion. Courage. These are the values that guide us in being at our best, and that we imagine you share with us.

To succeed in this role, we believe that you:

• Are passionate about credit risk and driving change initiatives.
• Have a strong analytical mindset and understanding of retail credit risk and lending processes.
• Have a solid understanding of how to translate business requirements into IT development and implementation.
• Can drive change management projects with numerous stakeholders across all levels of seniority.
• Have a solid business and strategic understanding of financial services.
• Are curious about the future of credit risk management, and eager to explore new ways of working leveraging AI.
• Thrive in collaboration, cross-functional environments and can navigate a fast-paced, complex business landscape with confidence.

Your experience and background

• Minimum 3 years’ experience within the credit risk management and framework or similar risk management experience.
• The job requires good understanding of credit risk in the Household and Retail Corporate segment.
• Experience from working with IRB-requirements is a plus.
• Relevant Bachelor's degree.
• Fluency in English is a must. Familiarity with a Nordic language is a plus.

What we offerPeople come here when they want to get somewhere. For some, it’s to take their career to the next level. For others, it’s to break new ground within their area of expertise – in other words, with us, you will always move forward.

A culture that fosters performance and growth in one of the largest Nordic banks, offering various opportunities to evolve, develop and learn from brilliant colleagues with diverse backgrounds in a vibrant working environment.

Hybrid working model – we believe in the value of bringing people together and at the same time we embrace the freedom of flexibility.

Diversity and inclusion are a natural part of our daily work. We know that an inclusive workplace is a sustainable one. We genuinely believe that our diverse backgrounds, experiences, characteristics and traits make us stronger together. Every day we strive to find new ways to improve diversity and inclusion within our community e.g. we have signed the European Diversity Charters in the countries where we operate to show our commitment and engage with others to continue learning and improving.

If this sounds like you, get in touch!

Next steps

Submit your application no later than 06/10/2026. Interviews will begin prior to the job add expiration date.

We enable dreams and aspirations for a greater good.We build relationships. We add a personal touch to everything we do – when advising our customers, collaborating with colleagues, and meeting our potential candidates.

We learn and develop. We take pride in being experts and thinking ahead. We use our expertise to meet our customers’ needs, from the simplest to the most complex. We bring a growth mindset to our work that enables us to focus on a broader perspective in our daily challenges.

We lead change. We are responsible and aware of the impact of our decisions, both for our customers and for our local and global communities. Mindful of our responsibility towards current and future generations, we have made sustainability an integrated part of our business strategy.

We are Nordea. We have a 200-year history of supporting and growing the Nordic economies and our values are deeply roote