Credit Risk Strategy Specialist

Key Responsibilities

• Support the development and optimization of credit risk strategies for consumer lending products
• Analyze portfolio performance and key risk metrics to identify trends, risks, and growth opportunities
• Monitor and improve underwriting rules, client segmentation, and limit management strategies
• Participate in the development, testing, and implementation of credit decision rules and scoring strategies
• Conduct analytical research on customer behavior, portfolio quality, and acquisition channel performance
• Prepare regular and ad-hoc reporting for Risk, Product, Finance, and Management teams
• Build and maintain dashboards and monitoring tools for portfolio and strategy performance tracking
• Support A/B testing and analytical experiments aimed at improving approval rates, portfolio profitability, and risk performance
• Assist in evaluating new data sources and improving decision-making models
• Participate in the launch and monitoring of new lending products and risk initiatives
• Collaborate closely with senior portfolio risk managers, analytics, product, and collections teams

Skills, Knowledge and Expertise

• 2+ years of experience in credit risk, portfolio analytics, risk strategy, or consumer lending analytics
• Strong analytical mindset and understanding of consumer lending risk metrics
• Experience working with portfolio monitoring, underwriting strategies, or scoring models
• Proficiency in SQL and good practical knowledge of Python, SAS, or similar analytical tools
• Experience with data analysis, reporting automation, and dashboard development
• Understanding of approval strategies, segmentation approaches, and credit portfolio performance analysis
• Ability to work with large datasets and translate analytical findings into business recommendations
• Strong communication skills and ability to work in a cross-functional environment

Why join us

• Help us challenge injustice by creating fair choices for millions of people across 1100+ cities in 48 countries
• Develop your professional skills with access to mentoring, career consulting, and learning programs
• Collaborate with teams around the world and gain international experience through our Global Talent Exchange Program
• Engage in company-wide challenges, awards, sports activities, employee-led social impact and volunteering projects
• Work alongside people who take initiative, speak openly, and challenge themselves to grow
• Improve your language skills through co-financed courses and internal speaking clubs
• Annual salary from 49 100 EUR gross