Analytics Manager - Consumer Credit Risk & Underwriting (Open Banking)

Location: Paris, France; hybrid work with most teams meeting in the office 2–3 days per week

Salary: EUR 78,005–103,155

Company

Klarna is building an everyday finance network serving over 120 million consumers across 26 countries.

What you will do

• Own consumer underwriting for France, including policy, strategy, and models.
• Convert open banking signals such as income, expenses, account turnover, and account behaviour into automated underwriting policies.
• Balance approval growth, consumer fairness, and portfolio performance while controlling losses.
• Work with Risk, Product, Legal, Pricing, and Engineering to launch and evolve regulated credit products in France.
• Use AI tooling to explore data and test improvement ideas.
• Present performance and recommendations to senior stakeholders and drive implementation of data-based changes.

Requirements

• 5+ years of experience in consumer credit underwriting or credit risk strategy at a bank, consumer finance lender, or BNPL provider; a banking or lending background is essential.
• End-to-end ownership of underwriting decisions, from policy rules, scorecards, or strategies through monitoring.
• Experience using bank account or transaction data in real credit decisions and experience in the French market are essential.
• Degree in Finance, Economics, Data Science, Mathematics, or a related quantitative field.
• Comfort with SQL and large datasets, with the ability to quickly learn AI tooling.
• Ability to explain complex data to senior non-specialist audiences and gain stakeholder alignment.
• Experience leading or mentoring analysts, or clear readiness to begin doing so.

Nice to have

• Non-obvious professional backgrounds and diverse skills, perspectives, and experience.

Culture & Benefits

• Co-located collaboration is valued; office attendance is typically 2–3 days per week and may vary by team or change over time.
• AI is used as part of the working approach.
• Final compensation depends on qualifications, skills, and experience.
• Depending on experience, the role may be finalized as an Analyst or Data Scientist position.

Hiring process

• Include a CV in English.
• The exact title will be agreed after the candidate’s experience is assessed.