Senior Analyst - Consumer Credit Risk & Underwriting

Klarna, briefly At Klarna, we're building an everyday finance network, helping over 120 million consumers across 26 countries save time and money, and worry less about their finances.Working at Klarna means taking on problems most companies never get to solve, and being hands-on enough that the interesting part of the work lands with you, not someone else. You'll build with AI, not watch it happen. This is the stretch zone. Come find out what you're capable of. About the role Klarna is bringing its Fair Financing product live in Poland, extending regulated, longer-term credit. As a Senior Analyst on the credit decisioning team, you'll build and defend the underwriting policies that decide who gets credit in Poland and on what terms, working from bureau data and models built specifically for the Polish market. You'll work alongside Product, Risk, and the regional Poland team to bring that policy onto Klarna's Global Underwriting Platform (GUP), the shared framework that will power credit decisions across markets. What you'll do You'll analyze Polish consumer credit risk using SQL, Python, and Polish credit bureau data to find where underwriting policy should tighten or loosen. You'll work with Product, Risk, and the Poland regional team to bring Poland's credit policy onto Klarna's Global Underwriting Platform. You'll align purchase power and pre-qualification logic for the Polish market across Klarna's App and its One Card product. You'll monitor how the Polish bureau data feeding your models performs, and flag where sourcing or model quality needs to change. You'll turn what your analysis shows into policy changes that underwriting, product, and the regional team can act on directly. Who you are You've worked in consumer credit risk, underwriting, or credit policy, and you understand how a policy change affects both approval rates and portfolio health. You're proficient in SQL and comfortable working directly with large, messy datasets. You know credit bureau data, repayment behavior, and credit risk modeling well enough to spot where the numbers don't add up. You work through ambiguous or inconsistent policy logic methodically until you find the actual root cause. You've built underwriting or payment logic for a market where direct debit or local push payment methods, not card, are the default. You can turn a data finding into a policy change that underwriting, product, and regional teams can each act on. You have working proficiency in Polish. Bonus points for A degree in Finance, Economics, Data Science, Mathematics, or a related quantitative field. Things you should know before applying Working together: we value co-located teams; most teams currently meet in the office 2–3 days per week, and this varies by team and can change over time. Non-obvious backgrounds are welcome. Diversity of skills, perspectives and backgrounds is how we create, innovate, and disrupt like no other. Final compensation will be based on the candidate's qualifications, skills, and experience. Depending on your background, this could land as an Analyst role or a Data Scientist role — we'll settle the exact title with you once we understand your experience. Please include a CV in English. Curious to learn more about Klarna and what it’s like to work here? Explore our career site.