Analytics Manager - Consumer Credit Risk & Underwriting (Fintech)

Location: Brussels or Amsterdam; hybrid, with most teams meeting in the office 2–3 days per week.

Salary: €81,704–€108,045 annually.

Company

Klarna is building an everyday finance network serving over 120 million consumers across 26 countries, using AI to develop financial products.

What you will do

• Own consumer underwriting for Belgium, including policy, strategy, scorecards, models, approval, decline, and pricing decisions.
• Analyse Belgian consumer credit risk using SQL, AI tooling, credit bureau data, repayment behaviour, and large datasets.
• Shape purchase-power and pre-qualification logic for Klarna’s App and One Card products.
• Balance approval rates, portfolio health, pricing, and customer experience.
• Work with Product, Risk, Legal, Pricing, and Engineering to launch and evolve Financing on the Global Underwriting Platform.
• Monitor bureau data and model quality, implement 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; a banking or lending background is essential.
• End-to-end ownership of underwriting decisions, from policy rules, scorecards, or strategies through monitoring, with demonstrable business impact.
• Strong knowledge of credit bureau data, repayment behaviour, and credit risk modelling; Belgian-market experience is preferred.
• Degree in Finance, Economics, Data Science, Mathematics, or a related quantitative field.
• Proficiency in SQL and comfort working directly with large, messy datasets; ability to learn AI tooling quickly.
• Methodical approach to resolving ambiguous or inconsistent policy logic and identifying root causes.
• Comfort working in English, Klarna’s working language.
• Ability to explain complex data to senior, non-specialist audiences and gain stakeholder support.
• Experience leading or mentoring analysts, or clear readiness to do so.

Nice to have

• Experience with Belgian credit bureau data and consumer credit markets.

Culture & Benefits

• Co-located team culture with hybrid office attendance typically 2–3 days per week; arrangements may vary by team and change over time.
• Non-obvious backgrounds and diverse skills, perspectives, and experiences are welcome.
• Final compensation depends on qualifications, skills, and experience.
• The final role may be Analytics Manager or Data Scientist, depending on the candidate’s background and experience.

Hiring process

• Submit a CV in English.