Qred Bank AB jobb

At Qred, we’re building the bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Compliance Officer for the next phase of growth. About the Role As our Compliance Officer, you will bridge the gap between regulatory requirements and business execution, ensuring our operations remain robust during rapid scaling. Operating within the Legal & Compliance team and reporting directly to the Chief Legal Officer, you will have end-to-end ownership of our compliance framework. This mission-oriented role is not about sidelined policy review; it is about embedding regulatory precision directly into our financial systems and product delivery. Key responsibilities Lead regulatory processes, implementation projects, and official correspondence with the Swedish Financial Supervisory Authority (SFSA). Translate complex financial regulations and privacy laws, including GDPR, into clear, actionable governance frameworks and operational processes. Oversee the compliance and risk framework by designing, implementing, and reviewing control self-assessments and risk indicators. Manage compliance incidents and customer complaints, partnering with internal business units to drive swift remediation and risk mitigation. Prepare and present comprehensive compliance and risk reports directly to senior management and the Board of Directors. What we’re looking for We are looking for a structured compliance professional who thrives on clarity and drives alignment across multi-functional teams. You bring a systematic approach to problem-solving, remaining calm under pressure while managing complex regulatory projects with precision. You are motivated by building scalable frameworks that protect the bank's foundation while enabling fast-paced commercial momentum. Qualifications Several years of experience in a compliance function, preferably in a financial institution, fintech scale-up, or specialized consultancy. Proven experience managing engagements with the SFSA and a strong command of financial regulations and privacy legislation. Demonstrated ability to build, implement, and maintain internal governance frameworks in a regulated environment. Fluency in both Swedish and English, with excellent written and verbal communication skills. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-Remote #LI-Onsite

At Qred, we’re building the bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a SecOps Engineer for the next phase of growth. About the Role As a SecOps Engineer within our Engineering Enablers domain, you will bridge the gap between rigorous security standards and high-velocity product delivery. You will have end-to-end ownership of the security guardrails that protect our platform, moving away from manual gates toward automated, self-service security. Your mission is to empower our engineering teams to ship code confidently by embedding security into the very fabric of our scaling financial systems. Key responsibilities Architect and implement automated security guardrails within our AWS environment to ensure proactive risk mitigation. Support and mentor product teams during the discovery phase to integrate security requirements into the initial design of new features. Define and manage company-wide security policies, translating complex compliance needs into actionable engineering practices. Lead the response to security incidents, driving the process from initial detection and analysis through to containment and long-term resolution. Drive the adoption of security awareness programs across the organization, using data to measure and improve our collective security posture. What we’re looking for We are looking for a professional who thrives in a decentralized environment and values enablement over enforcement. As we are highly invested in AI, you possess a strong understanding of how to enable secure development processes and data integrity within that space. You are motivated by the challenge of building scalable frameworks that reduce cognitive load for other engineers while maintaining the high integrity required of a regulated bank. Qualifications Several years of experience in security engineering or DevSecOps, ideally within Fintech or another highly regulated industry. Deep technical knowledge of AWS security services, IAM frameworks, and cloud infrastructure. Practical experience in incident management and the development of automated security tooling. Strong communication skills with the ability to influence technical roadmaps and drive alignment across distributed teams. Practical experience with EDR/XDR solutions and MDM frameworks is preferred. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-LJ1

At Qred, we’re building the bank for small businesses. Since launching 10 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Fullstack Developer for the next phase of growth. About the Role As a Fullstack Developer in the Underwriting Experience team, you will bridge the gap between technical execution and business impact by building the tools that power our credit operations. You will have end-to-end ownership of features, transitioning seamlessly between frontend and backend to deliver what is most valuable for the business. This role is central to Scaling our internal platforms through a mix of product-driven development and AI-led automation. Key responsibilities Build and maintain services across the full stack, ensuring a cohesive and secure flow of data between our backend integrations and internal UI. Develop AI-driven automations and Model Context Protocols (MCPs) to streamline credit processing and enhance our internal decision-making tools. Collaborate with designers and peer engineers to define data formats and logic that optimize the platform for efficiency and scalability. Implement and manage the full lifecycle of your code, from testing and peer reviews to deploying and monitoring system health in AWS. Drive technical improvements across our shared platforms, ensuring we maintain high standards for both our Node.js services and React components. What we’re looking for We are looking for a versatile engineer who values flexibility and a hands-on approach to problem-solving. You should have a structured method for navigating both frontend and backend challenges, with a particular interest in how AI can optimize workflows. You thrive in environments with delegated responsibilities and are motivated to build robust frameworks that support rapid organizational growth. Qualifications A few years of professional experience in fullstack development, with a balanced ability to contribute to both frontend and backend tasks. Strong technical knowledge of our core stack: TypeScript, Node.js, and React. Practical experience working with AWS and managing third-party integrations in a secure, responsible way. Background in building financial systems within a regulated or high-growth environment is highly preferred. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-JL1

At Qred, we’re building the bank for small businesses. Since launching 10 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Data Engineer for the next phase of growth. About the Role As a Data Engineer at Qred, you will play an essential role in building and improving the foundation of our data lake and warehouse. This role offers an end-to-end view of how data flows through a modern Fintech, giving you the ownership to bridge the gap between technical execution and real-world business impact. You will be on a mission to ensure our data is accessible, reliable, and ready for Scaling. Key responsibilities Build and iterate on automated data pipelines to ensure high-quality data integration from various sources. Assist in the management of our data warehouse and lake to maintain reliable storage and processing. Translate business requirements into clean, analytics-ready data models in collaboration with our analysts and engineers. Write comprehensive tests and maintain clear data lineage to ensure high standards of data quality and governance. Deploy infrastructure updates using IaC tools like AWS CDK to maintain a modern, cloud-native environment. What we’re looking for We are looking for an ambitious professional with a structured mindset and a strong desire to learn within a fast-paced environment. You should be comfortable taking initiative and driving alignment with your peers to solve technical challenges. You are motivated by the chance to build scalable frameworks and contribute to a high-growth financial platform. Qualifications A few years of experience, or a strong academic and internship background, focused on ETL processes and data pipeline orchestration. Foundational knowledge of Python and SQL, with an interest in schema design and dimensional modeling. Experience with cloud platforms, ideally AWS, and exposure to data warehousing tools like Redshift or Snowflake. Understanding of modern analytics engineering workflows, such as dbt or version control with Git. Academic background in Computer Science, Engineering, or a related technical field. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. While we encourage a hybrid setup, we do expect you to be at least four days per week at the office. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-Remote #LI-Onsite

At Qred, we’re building the bank for small businesses. Since launching 10 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Senior Data Scientist for the next phase of growth. About the Role In this role, you will move beyond basic data analysis to architect the core quantitative engine supporting our Banking License. We are looking for a specialist to take full ownership of our next-generation financial risk models, directly influencing how we navigate risk within a high-growth Fintech landscape. You will serve as the critical link between advanced analytics and production-grade systems, translating complex datasets into the strategic "Source of Truth" used by our CCO and CFO to drive the company forward. Develop and deploy IFRS 9 / Expected Credit Loss (ECL) models. Integrate macroeconomic forecasting and forward-looking scenarios into our framework. Build fair value, repayment, and customer lifetime value models to impact profitability and understand customer behavior. Build model monitoring and support internal and external audits What we’re looking for We are seeking a quantitative specialist with a background in Fintech or banking to financial modelling in a fast-paced scale-up environment. You are a seasoned expert in risk modelling and statistical programming, with a proven track record of translating complex financial data into strategic insights for senior stakeholders. Beyond immediate code, you focus on professional excellence, evidence-based decision-making, and navigating the full model lifecycle with total accountability. Several years of experience in quantitative modelling within financial services. Degree in a quantitative field like Statistics, Mathematics, or Physics. Proven track record of building and implementing statistical models in an organization. Proficiency in Python and SQL. Fluent in English; proficiency in an additional European language is a plus. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-JL1

At Qred, we’re building the bank for small businesses. Since launching 10 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Financial Accountant for the next phase of growth. About the Role As a Financial Controller at Qred, you will bridge the gap between technical execution and business impact by taking end-to-end ownership of our daily accounting, manage routine accounting matters and serve as an important part of the month-end closing process.. This mission-oriented role is not just about bookkeeping; you will be a key driver in scaling our financial systems, leveraging automation to streamline complex workflows in a fast-paced Fintech environment. Key responsibilities Execute monthly, quarterly, and annual closings. Ensure quality in day-to-day bookkeeping and strengthen internal control. Drive the automation of financial processes by implementing smart system solutions and AI-driven workflows. Manage statutory reporting, including VAT, corporate tax, and payroll-related accounting. Manage external audit coordination and serve as a proactive partner to the business, supporting the organization with routine accounting and financial queries. What we’re looking for We are looking for a professional with a structured, data-driven mindset who thrives on building scalable processes rather than just maintaining the status quo. You should be motivated by the challenge of optimizing financial systems and possess the independence to drive projects from idea to completion in a collaborative, non-bureaucratic setting. Qualifications A few years of experience in accounting or financial control, ideally from a consulting background or a multi-entity environment. Analytical skills with an understanding of how the P&L, balance sheet, and cash flow statements interplayAdvanced proficiency in Excel and a proven interest in leveraging automation or AI to improve financial processes . Degree in Finance, Accounting, or a related field. Professional fluency in both Swedish and English is essential. Experience with IFRS, regulated environment and/or Business Central is considered a strong advantage. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We operate with an office-first setup, with flexibility when needed. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-Remote #LI-Onsite

Dedicated to powering entrepreneurs, Qred is a profitable, fast-growing fintech scale-up bank. In just 10 years, we’ve grown from a startup to hitting 1 billion SEK in annual revenue supporting over 50,000 entrepreneurs and helping create 10,000+ jobs every year. We combine smart tech with real-world experience to make funding simple, fast, and fair for entrepreneurs who need it most. With strong backing, a flat organization, and bold growth plans, we’re now looking for an Engineering Manager to join us and shape the future of small business owners. About the role As an Engineering Manager at Qred, you'll play a crucial role in shaping our organizational design, people management, and way of working. You'll be acting as one of two Engineering Manager in our Revenue Domain reporting to the CTO, leading and supporting two development teams with one Tech Lead per team. Your focus will be to ensure alignment with our methodologies, foster collaboration, and lead a group of talented engineers. This role calls for a visionary leader with a technical background and a passion for building high-performing teams in a fast-paced, scaling environment. Key Responsibilities People Management: Oversee performance & staff management of our engineering teams consisting of ~10 engineers. You will support and grow a group of already very talented people. Efficient Way of Working: Champion methodologies like Agile, Lean, Continuous Delivery, and DevOps. Drive and align our Qred Engineering Maturity Model (QEMM) to enhance the efficiency of our processes. Collaboration and Cross-Functional Work: Foster strong collaboration between Engineering, Product Management, and UX Design to deliver a seamless product experience. Organizational Design: Define team structures, optimize resource allocation, and match personalities to ensure scalability and productivity as we expand in Europe. Recruitment and Retention: Lead the recruitment strategy for the domain, attracting top talent and building a world-class team. Enable Qred: You will have tight collaboration with the CTO, Architects, Product Managers and Chief Revenue Officer to make sure we take decisions that are in line with Qred’s growth strategy. Requirements A passion for mentoring and developing engineering talent. A technical background with broad full-stack experience; preferred language is Javascript (Node.js / React / React Native). While we don't expect you to code, you must understand the challenges of a Serverless-first and Event-driven architecture. Minimum two years of experience in a Head of Engineering or five years of experience in a Engineering Manager role in a sizable organization, preferably in a domain-structured organization. A university engineering degree. Deep understanding of Agile methodologies, DevOps practices, and modern software development principles. Excellent communication skills with the ability to build strong relationships across functions. An office-first approach: You enjoy meeting your department and getting to know the people. We believe in non-formal meetings and chats, which is why you’ll be based in our Stockholm HQ. Experience with Claude code for automating tasks and streamline agentic way of working. We expect you to have good technical understanding and a strong interest. We highly value AI-SDLC: If you have previously implemented an AI-SDLC / agentic way of working it’d be really valuable to us. Why join us? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, responsibility for the whole development chain, and last but not least a bunch of great competent colleagues to learn from! One last thing This is a full-time, permanent position based in our headquarters in Stockholm. While we encourage a hybrid setup, we do expect you to be at least three days per week at the office. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-JL1

At Qred, we’re building the bank for small businesses. Since launching 10 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Collection Team Lead for the next phase of growth. About the Role As Collection Team Lead for our Dutch market, you’ll be the guardian of our balance sheet and the champion of our customers. We’re looking for someone to bridge the gap between hard numbers and human service, ensuring our collections process doesn’t just work, it scales with heart. Key responsibilities Define and execute the collections strategy for the Dutch market, providing monthly and quarterly credit loss forecasts and actionable performance reports. Lead and mentor a team of specialists, focusing on professional development, competence mapping, and high-performance coaching. Optimize operational efficiency by managing CRM task allocation and identifying opportunities to automate manual workflows. Ensure alignment with AML, KYC, and local regulatory frameworks to maintain compliance across all recovery activities. Translate complex financial data into structured repayment solutions and third-party collection partnerships. What we’re looking for We are looking for an analytical teamlead who approaches debt recovery with both technical precision and emotional intelligence. You should have a proven ability to drive alignment within a large team while building scalable frameworks that improve the customer journey. Qualifications A few years of experience in collections, credit management, or a similar role within Fintech or banking. Experience leading or coordinating teams in a high-volume, fast-paced environment. Professional fluency in Dutch and English, with the ability to negotiate complex financial settlements across multiple channels. Strong technical proficiency in CRM systems and the ability to interpret interest accrual and repayment behaviors. Familiarity with Dutch regulatory requirements, such as GDPR and debt recovery legislation, is considered a strong advantage. A Bachelor’s or University degree in a relevant field is an advantage, but not a requirement. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. While we encourage a hybrid setup, we do expect you to be at least three days per week at the office. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-Remote #LI-Onsite

At Qred, we’re building the bank for small businesses. Since launching 10 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Partnerships Manager for the next phase of growth. About the Role As a Partnerships Manager for the Dutch and Belgian market, you will take full end-to-end ownership of the sales funnel to fuel our growth in the Netherlands and Belgium. This 8-month interim position (July 31st – March 31st) is a high-impact role where you bridge the gap between initial prospecting and long-term relationship scaling. You are responsible for the entire journey: from the first call to signing, onboarding, and continuous optimization. Key responsibilities Drive the complete sales cycle by identifying, prospecting, and closing new partnerships within the Dutch and Belgian SME ecosystem. Negotiate and finalize partnership contracts, ensuring both commercial alignment and technical feasibility. Manage the full partner onboarding process and maintain a high-frequency dialogue to ensure long-term commitment and lead quality. Analyze performance metrics and lead data to challenge partners and maximize conversion at every step of the funnel. Maintain a robust and active pipeline, ensuring a high volume of activity across multiple concurrent partnership negotiations. What we’re looking for We are looking for a persistent, numbers-driven professional who isn’t afraid to pick up the phone and sell a long-term vision. You thrive in a fast-paced environment where the sales cycle is continuous and possess the determination and resilience needed to capture market share in a competitive landscape. You are comfortable with high levels of freedom under responsibility and enjoy a workplace with a high ceiling and a tight-knit, fun-loving team culture. Qualifications Fluency in Dutch and English is required, while knowledge of French is considered an advantage. A few years of experience in B2B sales or business development, with a proven track record of owning the entire sales funnel. Hands-on experience in managing pipelines, track activity, and analyze client performance. Experience from Fintech or fast-paced scale-up environments is a strong advantage. A natural ability to juggle multiple stakeholders and move quickly from initial idea to signed contract. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, temporary position (8 months) starting July 31st until March 31st, based in our headquarters in Stockholm. While we encourage a hybrid setup, we do expect you to be at least three days per week at the office. We review applications on a rolling basis. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-Remote #LI-Onsite