Credit Risk Model Developer

Location: Warsaw, Poland (Pańska 97)

Salary: 9,600–18,000 PLN gross per month

Company

hirify.global Poland and ING Group operate financial services and credit risk modelling teams using Agile ways of working.

What you will do

• Develop and periodically monitor credit risk models, including credit decision, affordability, and early warning system models.
• Assess whether models are conceptually sound and appropriate for business use.
• Ensure model compliance with regulations, internal policies, and industry best practices.
• Prepare analyses and reports within credit risk management.
• Collaborate with model validators, risk managers, and business stakeholders.
• Monitor industry trends and regulatory guidance to improve credit decisioning and advanced analytics models.

Requirements

• Advanced degree, such as a PhD or Master's degree, in data science, statistics, mathematics, physics, econometrics, quantitative finance, or a related quantitative discipline.
• Knowledge of supervised and unsupervised machine learning, classification, regression, and related methods.
• Experience developing credit risk models in a financial institution or related industry.
• Strong analytical, model documentation, data processing, and advanced visualization skills.
• Experience coding in Python or SAS and knowledge of credit risk management processes, including scorecards, early warning systems, collections, IRB, and IFRS9.
• English proficiency is required.

Nice to have

• Knowledge of credit risk regulations and lending processes, including IRB and IFRS9.
• Experience with Agile ways of working.
• Experience with Git and code versioning.

Culture & Benefits

• Agile environment using Scrum and Kanban.
• Squad-based organization with clear product visions and autonomous collaboration.
• Broad employee autonomy supporting motivation, creativity, and adaptation to changing business requirements.
• Work in a credit risk modelling team focused on operational credit scoring and credit decision models.