Credit Risk Analyst

Credit Risk Analyst Turn data into smarter lending decisions across international markets, while growing your skills alongside experienced Credit Risk and Data Science professionals. About Team Join an international Credit Risk team that uses data and insights to support responsible lending across IPF Digital markets. Work alongside experienced Credit Risk Managers and Data Scientists, learning how analytics helps shape business decisions. This role is based in Warsaw, Poland , with responsibility for initiatives across all IPF Digital operations and markets. Here's how you'll put your skills into action: Data Analysis: Analyse data from different sources to understand portfolio performance and support day-to-day credit risk decisions. Portfolio Monitoring: Track customer and portfolio trends, helping to identify emerging risks and opportunities for improvement. Reporting and Insights: Prepare regular reports and presentations that provide stakeholders with clear, data-driven insights. Credit Policy Support: Contribute to the development and review of credit policies and processes, helping assess the impact of changes and identify further improvements. Collaboration: Work closely with Credit Risk Managers and Data Scientists across our international markets, sharing insights and supporting data-driven decision making. Communication and language skills: Communicate confidently and clearly in both Polish and English, adapting your language and style to suit diverse audiences. You’ll facilitate collaboration across international teams, ensuring shared understanding and smooth delivery across markets. We also know that experience counts – and we believe that the following can support your success: At least one year of experience in Credit Risk, financial services, or another analytical role , where you've worked with data to support business decisions. Good Excel skills and practical experience using SQL to analyse and manipulate data. A Master's degree in Mathematics, Statistics, Economics, Finance, or another quantitative field. Strong analytical and numerical skills, with a curious mindset, attention to detail, and the ability to organise your work and manage multiple priorities. Our hiring approach As part of our skills-first recruitment process, you will be asked to complete a practical work challenge. This gives you a chance to showcase your skills, your way of thinking, and your problem-solving approach – beyond what’s on a CV. In the next steps, we’ll focus on getting to know you better through conversations around culture fit and soft skills, to ensure we’re a great match for each other. What can we offer you? Real opportunities for growth – enjoy access to a variety of internal learning and external development initiatives. A fully free mental health platform with access to certified professionals: psychologists (including child psychologists), dietitians, business coaches, and physiotherapists. Relaxed team integrations – kayaking, cycling, workshops, team outings… we enjoy spending time together, and we make it happen regularly. Move your body, clear your mind – you can use Multisport card or use private health care coverage. A truly international environment – we collaborate with teams from Mexico to Australia. Sounds exciting? That’s just our everyday reality. From office life Company parking where you can book a parking place. Weekly team lunches – enjoy vouchers to nearby restaurants (yes, sushi included!). Brand new office in a prime location – Gdański Business Center in Warsaw, just 5 minutes from Dworzec Gdański metro station. Inside: 3 types of coffee, ping pong, and a chillout room. Tempted? Flexibility is not a buzzword – hybrid work model (2 days a week at the office) and flexible hours are our standard, not a perk. Here’s how our team describes our culture The culture at IPFD is driven by our shared values. People are put first, we accept differences and encourage individuality. Due to our flat business structure, we enjoy collaborating together. Enjoying some good times together is also highly encouraged! Sounds good? We all think so at IPF Digital. 🔍 Whistleblowing At IPF Digital, we are committed to ethical conduct and upholding our values. We are dedicated to building trust-based relationships with our customers, employees, and the communities in which we operate. To support those who wish to act with integrity, we have implemented mechanisms that allow for the reporting of any concerns related to potential risks, unethical behavior, or legal violations. Want to report concerning behavior? Click here to report Polish Whistleblowing Procedure Department Credit & Risk Locations Poland Remote status Hybrid IPF Digital in numbers countries years of experience people on board customers served since 2008 About IPF Digital Our purpose We are IPF Digital – the global fintech company, arm of the international IPF Group. Our mission? To make everyday life easier through fast, simple and responsible online financial services. We operate in multiple countries across several continents – from Mexico to Australia – helping customers achieve their daily goals and long-term dreams and building the better world through financial inclusion. What makes us stand out? Everything we do is guided by three values: We are Responsible – We always take due care in our actions and decisions. We are Respectful - We treat others as we would like to be treated We are Straightforward - We are open and transparent in everything we do. Is this you? You’ll enjoy working at IPF Digital if: you thrive in an international environment as our HUB & Spoke environment is all about collaboration, you value ownership and autonomy in your work, you appreciate a friendly, open culture and know the meaning of real team spirit. Get to know IPFD Talks! IPFD Talks E01P01 IPFD Talks E01P01 IPFD Talks E01P02 Welcome to IPFD Talks! About IPF Digital Your first day at IPF Digital - what you can expect and how to prepare