Risk assessor

What does a risk assessor do? – Tasks and work environment

A risk assessor primarily works on analyzing and evaluating risks within the insurance industry, banks, or other financial operations. Tasks include collecting and interpreting information about clients, businesses, or projects to identify potential risk factors and assess the likelihood of damages, losses, or other negative events. The work is often done in close collaboration with insurance advisors, analysts, and other specialists. The work environment is generally office-based, characterized by a fast pace and high demands for accuracy, analytical skills, and good communication skills. Many risk assessors work with digital tools and maintain ongoing contact with both internal and external parties.

Salary development over time

Salaries for risk assessors have shown a steady increase in recent years. In 2022, the average salary was 47,400 SEK per month, rising to 49 500 SEK in 2023 and reaching 51 300 SEK in 2024. This represents a total salary increase of approximately 8.2% over three years. This development reflects an increased demand for qualified risk assessors, especially considering changing regulations within the financial sector and a greater societal focus on risk management. Salary increases can also be explained by employers demanding higher education and specialized knowledge, intensifying competition for the most experienced and competent risk assessors. Despite this, clear gender salary differences remain, with men generally earning more than women in the profession.

Risk assessor salary – comprehensive overview

• Average salary: 51 300 SEK/month
• Lowest salary: 42,300 SEK/month (female, high school education, private sector)
• Highest salary: 65,700 SEK/month (male, post-secondary education, private employee)
• Hourly wage: 309 SEK/hour (based on 166 hours/month)
• Gender differences: Men 55 600 SEK/month, women 47 200 SEK/month (women earn 85% of men's salary)
• Regional differences: Data not available

Education and qualifications

To work as a risk assessor, a post-secondary education in economics, law, statistics, or insurance is usually required. Many employers also seek specialized courses in risk management and experience from the financial industry. Internships and trainee programs are common entry routes, and for some positions, certifications or further education can be advantageous.

• Post-secondary education: Economics, law, or statistics (3 years or more)
• Certifications: Courses in risk management, insurance, or finance
• Internship/trainee: Common in larger companies
• Prerequisites: High school diploma, often with a focus on economics
• Tips for choosing: Strong analytical skills and interest in finance facilitate entry

Common benefits and compensation

In addition to base salary, benefits often include occupational pension, wellness allowance, bonuses, flexible working hours, and the possibility of remote work. Performance-based bonuses, insurance, and educational grants for skills development are also common.

Competition and challenges

The job market for risk assessors is relatively competitive, especially in metropolitan areas where many large players within finance and insurance are established. Despite increasing demand for specialists in risk assessment, no precise forecast can be given due to limited statistical data. Challenges in the profession often involve staying updated on new regulations, digitalization, and changing risk landscapes. The ability to quickly analyze complex information and make well-founded decisions is crucial for success and development in the role.

Tips for those who want to become risk assessors

To succeed as a risk assessor, it is good to combine analytical sharpness with a natural curiosity about societal issues and business models. Developing the ability to quickly understand new regulations and methods provides a clear advantage, especially in an industry where change occurs rapidly. Precision and integrity are important qualities because the work often involves handling confidential and sensitive information. Building good relationships with colleagues and external partners facilitates data collection and problem-solving. Further, investing in relevant additional education and certifications strengthens your position in the job market. Good communication skills help explain complex risks to clients and management. Finally, an interest in digital tools is beneficial, as digitalization and data analysis are growing parts of the profession.

Key facts about risk assessors

• Salary range: 42,300–65,700 SEK/month
• Education level: Post-secondary education in economics, law, or statistics
• Average hourly wage: 309 SEK
• Gender salary difference: Women earn 85% of men's salary
• Number of available jobs (profession group): 758

Career paths and future prospects

After three to five years in the profession, opportunities open up to advance to roles such as senior risk analyst, insurance specialist, or manager within risk management. Many risk assessors also broaden their skills toward compliance, internal audit, or strategic consulting. Future outlooks are influenced by increased awareness of risk management in business, but since the profession is part of a larger occupational group, it is difficult to provide an exact forecast. According to the Employment Service, there is currently insufficient data to make a detailed market forecast, but the number of available jobs in the profession is high. Digitalization and new regulations are expected to continue driving demand for qualified risk assessors in the future.

Frequently asked questions about risk assessors

• What does a risk assessor earn?
  - The average salary is 51 300 SEK per month, with variations between 42,300 SEK and 65,700 SEK depending on experience, education, and sector.
• What are the gender differences in salaries for risk assessors?
  - Men earn on average 55 600 SEK per month, women 47 200 SEK, which means women earn approximately 85% of men's salaries.
• What education is required to become a risk assessor?
  - Post-secondary education in economics, law, or statistics is most common, often supplemented with specialized courses in risk management.
• What is the job market like for risk assessors?
  - Currently, there are 758 available jobs in the profession, but no exact forecast can be provided due to limited statistical data.
• What benefits are common for risk assessors?
  - Common benefits include occupational pension, wellness allowance, bonuses, flexible working hours, and the possibility of remote work.
• Are there regional salary differences?
  - Regional differences may occur, but no detailed statistics are currently available for the profession.
• What career paths are available after a few years as a risk assessor?
  - Possible routes include senior risk analyst, insurance specialist, manager in risk management, or transition to compliance and internal audit.