Growth starts with people
Forward is our mindset, we anticipate change and keep moving. At Avarda, we simplify how customers across Europe manage their personal finances, growing forward together. Come grow with us.
From a small Swedish town, now across Europe
Our Swedish roots shape how we work: practical, disciplined, and focused on doing things well. We combine that with modern technology to stay efficient and profitable. Our own platform lets us grow fast. Today, we're active in 14 markets across Europe.
We're proud to include two strong brands, Avarda and TF Bank, and have been listed on Nasdaq Stockholm since 2016.
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Avarda
Payment, lending and savings solutions that move customers and partners forward.
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TF Bank
Flexible and responsible consumer lending, giving people better access to credit.
Current job openings
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Credit Risk Management & Performance Analyst
Credit Risk Management & Performance · Tallinn
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Credit Risk Management & Performance Analyst
Credit Risk Management & Performance · Gdańsk
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Võlamenetluse spetsialist
Operations · Tallinn · Onsite
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Credit Risk Management & Performance Analyst
Credit Risk Management & Performance · Málaga
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Customer Service Specialist
Operations · Szczecin · Onsite
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Kredītspeciālistu komandas vadītājs/-a
Operations · Rīga · Onsite
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Credit Risk Management & Performance Analyst
Credit Risk Management & Performance · Stockholm
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Senior Legal Counsel
Legal · Stockholm, Helsinki · Hybrid
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QA Engineer
Technology · Málaga · Hybrid
Our STAR culture
STAR isn't just a name, it's our core values in action. They guide how we work, make decisions, and grow together, every day.
We Support
To thrive, we actively support
one another and foster an international mindset
We Transform
To be relevant, we transform
constantly by doing the
complex simple – never the opposite
We Act
To achieve tangible outcomes, we act decisively and employ hands-on strategies
We are Reliable
To be innovative, we
maintain reliability and ensure
a business in good order
Find your place
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International environment
Colleagues from all over Europe. With a presence in 14 countries, we bring together different cultures, languages and experiences and share knowledge across borders.
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Development
A great place to grow your skills and career. We nurture talent from within and give dedicated people the chance to explore new roles across the organization.
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Collaborative
We unite to reach our goals, knowing genuine success comes from combining our knowledge and experience. We achieve more when we work together as a team.
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Entrepreneurial spirit
We move fast and think like owners. Everyone here is encouraged to challenge the status quo, test new ideas, and take initiative.
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Flexibility
At Avarda, the office is our main place of work, as being together helps us collaborate, develop and build strong teams and relationships. At the same time, we want to offer flexibility where the work and the needs of the team allow it.
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Life at Avarda
We work hard, but we make time to enjoy it too. From fika Fridays and after-works to sporting events, Christmas-sweater-day and end-of-year celebrations, there's always a reason to enjoy each other's company.
We create financial solutions that move people and businesses forward
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For consumers
Access to lending, saving and paying that adapts to their lives and their needs.
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For business partners
We remove friction, helping them stay in control, build consumer loyalty and expand into new markets.
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For investors
A system where value is never static, ensuring long-term profitability, growth and progress.
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For employees
We invite to an exciting journey together, starting from a solid base of trust and possibilities.
- Employees
- Markets
- Listed on Nasdaq Stockholm
- Nationalities
What makes working at Avarda different from other places you’ve worked?
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The opportunities to develop and grow as a person. A culture that encourages new ideas and values open dialogue. Fast decision-making, trust, and the freedom to take ownership of your work. Strong team spirit, a positive work environment, and a workplace where your voice is heard.
Gunilla Lundgren
Group Governance Officer, Sweden, Borås
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For me, it’s definitely the culture, the people, and the team spirit- one for all and all for one. There’s a real sense of support and collaboration, as well as the opportunity to prove yourself, take on new challenges, and grow together with the company.
Agnese Rajevska
Head of Operations Latvia, Riga
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What stands out most here is the trust. Management genuinely gives you room to make decisions instead of hovering over your shoulder, and that trust comes paired with real flexibility in how and when you work. I feel it in the people too, it's a friendly, easy going team, and Avarda's STAR values aren't just something on a wall, you actually see them show up in everyday decisions and team activities.
Klāvs Zariņš
Product Manager, Latvia, Riga
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Avarda stands for what matters most for me - compassion, collaboration, openness and a true belief in us as people and employees. I often tell people I speak to that there isn't one single person I work with that I don't like - that is unique and something that makes all the difference, especially when we have short deadlines and tough targets to reach - we do it together.
Tomas Bromander
Head of Avarda Payments, Stockholm, Sweden
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What really sets us apart for me is the trust and freedom to grow beyond your role and make a real impact. Being surrounded by such a skilled and inspiring team constantly pushes me to learn, think differently and challenge myself. And because we’re growing and evolving so quickly, there’s always something new and exciting to work on. It never gets boring. What I enjoy most is tackling these topics together as a team, supporting and challenging each other, and seeing what we can create together.
Lisa Eckert
Head of Acquisition, Germany, Berlin
Our history
From Borås to customers across Europe | 1987-2026
It all starts in Borås
Founded in Borås, Sweden, offering consumer loans and sales finance for the mail-order industry.
Nordic and Baltic expansion
Lending expands to Finland, Norway, Denmark and Estonia. Deposit products are introduced in Sweden.
Building new capabilities
The Group strengthens sales finance and e-commerce. Avarda is established with Intrum, and BB Finans is acquired.
Becoming a bank
TF Bank receives its banking licence. Deposits launch in Finland and lending in Poland.
Listed and expanding further
TF Bank is listed on Nasdaq Stockholm, while operations are initiated in Latvia.
Growing across Europe
Deposits launch in Germany and Norway and lending in Lithuania and Germany. Operations are initiated in Austria in 2019, and TF Bank acquires Intrum's share of Avarda.
One Group - broader offering
BB Bank and Avarda merge into TF Bank, bringing credit cards, consumer lending and e-commerce solutions together in one Group.
A growing European footprint
The Group continues to broaden its European presence, including lending in Spain and Italy and deposit products in Spain, Ireland and the Netherlands.
Making everyday finance simpler
The Group continues to broaden its offering, helping more customers manage everyday finances through cards, payments, savings and lending.
Becoming Avarda
TF Bank becomes Avarda Bank, bringing the Group together under one name: Avarda. Together, we simplify how customers across Europe manage their personal finances.
Already working at Avarda Group?
Let’s recruit together and find your next colleague.