{"id":4025431,"url":"https://alion.io/job/teamence-credit-analyst","title":"Credit Analyst","company":{"id":4425223,"name":"Teamence","domain":"teamence.eu","url":"https://alion.io/company/teamence","size_band":"51-200","is_staffing_agency":true,"employer_type":"agency","is_intermediary":false,"listed_via":null,"ats_vendor":"Manatal","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Stockholm, Sweden"],"countries":["SE"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":1,"visa_sponsorship":false,"relocation_package":false,"has_equity":true,"technologies":[{"name":"Claude","optional":false},{"name":"Microsoft Excel","optional":false}],"status":"live","first_seen_at":"2026-11-10T16:42:21Z","employer_posted_date":"2026-11-10","last_verified_at":"2026-11-10T22:08:48Z","board_verified":true,"closed_at":null,"days_open":0,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":0},"description":"You will join a small credit team at a fast-growing fintech lender in Stockholm, assessing and monitoring growth-stage technology companies. The focus is company analysis and portfolio monitoring, with room to grow as the business does.\nYou will work day-to-day with experienced credit professionals and closely with the founders, in a team that uses AI tools heavily to automate analysis and improve credit processes.\nWhat You’ll Do:\nAnalyze new and existing borrowers: growth, profitability, cash burn, retention, and overall credit quality\nBuild financial models with operational drivers and scenario analysis\nPrepare credit memos and present recommendations for credit decisions\nMonitor the portfolio: covenants, early-warning signals and regular credit reviews\nPrepare data and reports for internal stakeholders and funding partners\nImprove and automate credit workflows using AI tools\nJoin calls with borrowers’ management teams during due diligence\nRequirements:\nAround 1-3 years of experience in investment banking, private equity, venture capital, venture debt, consulting, or bank/fintech credit\nVery strong Excel skills\nHands-on experience with AI tools such as Claude for analysis or everyday work\nSolid financial modelling and analytical reasoning; able to structure a credit view and explain it clearly\nFast learner, comfortable picking up new business models quickly\nFluent English\nLocated in or near Stockholm\nNice to Have:\nExposure to subscription or recurring-revenue business metrics\nExperience working with large datasets\nWhy Join?\nIntellectually demanding credit work: every case needs real judgement, not only a scoring model\nA small, flat and very international team where everyone’s opinion counts\nFast growth that creates real room for more responsibility\nA chance to shape how AI is used in credit decisions\nWe Offer:\n Highly competitive base salary\nStock options\nWellness allowance\nAround a 40-hour working week with give-and-take flexibility\nRegular team gatherings and events\nLocation: Stockholm, on-site around 4 days a week","description_format":"text","description_chars":2054,"description_truncated":false,"requirements":{"experience_years_min":1,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[{"language":"English","level":"Advanced (C1)","optional":false}]},"benefits":["Equity","Stock options"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":[],"lifecycle":[{"event":"open","at":"2026-11-10T16:42:21Z"}],"visa":[],"liveness":{"score":52,"band":"ok","label":"Likely open","p_open":1,"p_active":0.516,"p_room":1,"age_days":0,"expected_fill_days":24,"reasons":["conf:1","agency","win:early","comp:junior"],"computed_at":"2026-11-10T23:38:40Z"},"pay":null,"html_url":"https://alion.io/job/teamence-credit-analyst","json_url":"https://alion.io/job/teamence-credit-analyst.json","meta":{"generated_at":"2026-11-10T23:38:40Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":2429,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-11T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.1,"usd":0.01,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":4425223},"rest":"https://alion.io/mcp/rest/get_company?id=4425223"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fteamence-credit-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":2,"usd":0.2},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fteamence-credit-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.1,"usd":0.01},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fteamence-credit-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/teamence-credit-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fteamence-credit-analyst"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":4025431}},{"tool":"search_jobs","arguments":{"company":"teamence.eu","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":4025431},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); 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