TF Bank AB (publ) Tech Stack

Digital lending and payments platform across 14 European markets

Banking Borås, Vastra Gotaland County 201–500 employees Founded 1987 Public Company

TF Bank operates a multi-country credit and payments business on a proprietary tech stack spanning Azure, Kafka, and Snowflake—now actively adopting dbt and Databricks for analytics. The hiring mix skews engineering and data-heavy (24 of 61 active roles), with acute focus on credit risk modeling, provisioning accuracy, and affordability scoring, indicating a shift toward data-driven underwriting at scale across fragmented regulatory regimes.

Tech Stack 59 technologies

Core StackC# SQL Server Python Azure DevOps Kubernetes OpenShift Terraform Docker AWS Kafka dbt Databricks Snowflake Scala Java .NET Power BI GitHub Microsoft Office Azure Azure Resource Manager Azure Service Bus Azure SQL Git GCP Azure Event Hubs SQL Excel R Kendo UI+28 more

AdoptingSnowflake dbt Databricks

What TF Bank AB (publ) Is Building

◆Challenges

Enhancing credit risk analytics capabilities
Reducing dispute risk
Accurate provisioning across portfolios
Quarter-end provisioning coordination
Consistent provisioning practices
Compliance with financial regulatory requirements
Inefficient dsr handling
Customer friction
Process inefficiencies
Ensuring data privacy compliance

▲Active Projects

Affordability and underwriting scorecards
Development and monitoring of ifrs 9 models
Affordability strategy using open banking
Self-service analytics platform
Single view of consumer
Credit strategy and pricing
Quarter-end provisioning coordination
Product launch support
Refer a friend program
Portfolio analytics across multiple countries

Hiring Activity

Accelerating60 roles · 30 in 30d

Department

Engineering

Data

Finance

Legal

Sales

Support

Marketing

Operations

Seniority

Mid

Senior

Junior

Lead

Principal

Intern

Notable leadership hires: Head of Finance, Tech Lead

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About TF Bank AB (publ)

TF Bank is a public digital lender and payments platform serving creditworthy individuals across 14 European countries (Nordics, Baltics, Poland, Germany, Austria, Spain, Ireland, Netherlands, Italy). Founded in 1987 and listed on Nasdaq Stockholm since 2016, the company operates three business lines: credit cards, e-commerce financing solutions, and consumer lending. The business targets small-ticket, short-term loans and deposits, delivered through a proprietary technology infrastructure built on Azure cloud services, event streaming (Kafka), and a modern data stack (Snowflake, dbt, Databricks).

HeadquartersBorås, Vastra Gotaland County

Company Size201–500 employees

Founded1987

Hiring MarketsLatvia, Poland, Sweden, Lithuania, United Kingdom, Estonia, Spain, Germany

Frequently Asked Questions

What tech stack does TF Bank use?

Primary: Azure cloud suite (DevOps, Service Bus, SQL, Resource Manager), SQL Server, Kubernetes, C#, Python. Data layer: Kafka, Snowflake, dbt, Databricks. Secondary: AWS, GCP, Docker, Terraform, Power BI, Java, Scala.