Analytics Manager - Consumer Credit Risk & Underwriting (Fintech)

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

Salary: PLN 24,946.33–35,323.92 per month

Company

Klarna operates an everyday finance network serving consumers across 26 countries and develops AI-enabled financial products.

What you will do

• Own consumer underwriting for Poland, including policy, strategy, models, approval, decline, and pricing decisions.
• Analyse Polish consumer credit risk using SQL, AI tooling, credit bureau data, and large datasets.
• Shape purchase-power and pre-qualification logic for Klarna’s App and One Card products.
• Balance approval rates, portfolio health, and customer experience.
• Monitor Polish bureau data and identify sourcing or model-quality issues.
• Convert analysis into policy changes and present performance and recommendations to senior stakeholders.

Requirements

• 5+ years of experience in consumer credit underwriting or credit risk strategy at a bank, consumer finance lender, or BNPL provider; banking or lending experience is essential.
• End-to-end ownership of underwriting decisions, from policy rules, scorecards, or strategies through monitoring, with demonstrated business impact.
• Strong knowledge of credit bureau data, repayment behaviour, and credit risk modelling; Polish-market experience is preferred.
• Degree in Finance, Economics, Data Science, Mathematics, or a related quantitative field.
• Proficiency in SQL and experience working directly with large, messy datasets; ability to quickly adopt AI tooling.
• Methodical approach to resolving ambiguous or inconsistent policy logic and identifying root causes.
• Fluent Polish and comfortable working in English, Klarna’s working language.
• Ability to explain complex data to senior, non-specialist audiences and influence stakeholders.
• Experience leading or mentoring analysts, or clear readiness to begin doing so.

Nice to have

• Experience with Polish consumer credit bureau data and the Polish market.

Culture & Benefits

• Full-time role with a co-located, collaborative working model.
• Most teams currently meet in the office 2–3 days per week; this may vary by team and change over time.
• Diverse skills, perspectives, and backgrounds are welcomed.
• Final compensation depends on qualifications, skills, and experience.
• The position may be finalized as either Analytics Manager or Data Scientist depending on the candidate’s background.

Hiring process

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