Senior Analyst - Consumer Credit Risk & Underwriting

Location: Copenhagen, Denmark; teams typically meet in the office 2–3 days per week

Salary: kr 642,650–kr 719,768 DKK per year

Company

Klarna builds an everyday finance network serving consumers across multiple countries, with products supported by AI and global underwriting infrastructure.

What you will do

• Analyze Danish consumer credit risk using SQL and credit bureau data.
• Build and defend underwriting policies that determine credit eligibility and terms.
• Bring Denmark’s credit policy onto Klarna’s Global Underwriting Platform.
• Align purchase power and pre-qualification logic across the App and One Card products.
• Monitor bureau data and model performance, identifying sourcing and quality issues.
• Translate analysis into policy changes for underwriting, product, risk, and regional teams.

Requirements

• Experience in consumer credit risk, underwriting, or credit policy.
• Proficiency in SQL and experience working with large, complex datasets.
• Strong understanding of credit bureau data, repayment behavior, and credit risk modeling.
• Ability to investigate ambiguous or inconsistent policy logic and identify root causes.
• Ability to turn data findings into actionable policy changes.
• Availability to work in the Copenhagen office 2–3 days per week, depending on team needs.

Nice to have

• Degree in Finance, Economics, Data Science, Mathematics, or a related quantitative field.

Culture & Benefits

• Collaborative, co-located team environment.
• Opportunities to work on complex credit decisioning problems.
• Non-traditional professional backgrounds are welcome.
• The final role may be titled Analyst or Data Scientist depending on experience.
• CV must be submitted in English.