Analytics Manager - Consumer Credit Risk & Underwriting (Open Banking)

Klarna; Paris; Hybrid; EUR 90,000 - 130,000; Full time

Job summary

Klarna in France is seeking a Consumer Credit Underwriting Manager for France to own the policy, strategy and models behind underwriting decisions. You will leverage open banking signals to automate policy decisions and balance growth with customer fairness and portfolio health.

You will collaborate with Risk, Product, Legal, Pricing and Engineering, present performance to senior stakeholders, and guide analysts while shaping regulatory-aligned credit products for the French market.

Qualifications

• 5+ years in consumer credit underwriting or credit risk strategy.
• Experience owning underwriting decisions end to end.
• Experience using bank account/transaction data in credit decisions; French market experience.
• Degree in Finance, Economics, Data Science, Mathematics or related field.
• Proficiency in SQL and handling large datasets; quick to adopt AI tooling.
• Ability to explain complex data to senior stakeholders.
• Leadership or mentoring experience.

Responsibilities

• Own consumer underwriting for France: policy, strategy and models behind it.
• Turn open banking signals into automated underwriting policies that grow approvals without increasing losses.
• Balance growth, consumer fairness and portfolio performance.
• Collaborate with Risk, Product, Legal, Pricing and Engineering to launch and evolve credit products in France and keep underwriting aligned with regulation.
• Use AI tooling to explore data and test improvement ideas.
• Present performance and recommendations to senior stakeholders and translate data into business changes.

Skills

SQL

Data storytelling

Stakeholder communication

Leadership/mentoring

Education

Finance/Economics/Data Science/Math

Tools

AI tooling

Job description

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.

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's growth in France runs through credit decisions: who we say yes to, on what terms, and how we keep both our customers and our portfolio healthy. As Consumer Credit Underwriting Manager for France, you'll own that. You'll set the direction for how Klarna underwrites French consumers using open banking data: income and expense patterns, account turnover and account behaviour over time, used as primary signals, not add-ons.

What You'll Do

• You'll own consumer underwriting for France: the policy, the strategy and the models behind it.
• You'll turn open banking signals into automated underwriting policies that grow approvals without growing losses.
• You'll make and defend the trade-off between growth, consumer fairness and portfolio performance.
• You'll work with Risk, Product, Legal, Pricing and Engineering to launch and evolve credit products in France and keep underwriting aligned with regulation.
• You'll use AI tooling to explore data and test improvement ideas.
• You'll present performance and recommendations to senior stakeholders, and turn what the data shows into changes the business actually implements.

Who you are

• You have 5+ years in consumer credit underwriting or credit risk strategy at a bank, consumer finance lender or BNPL provider. A banking or lending background is essential.
• You've owned underwriting decisions end to end, from policy rules, scorecards or strategies through to monitoring.
• You've used bank account or transaction data (income and expense detection, account turnover, behavioural signals) in real credit decisions. Experience in the French market is essential.
• You have a degree in Finance, Economics, Data Science, Mathematics or a related quantitative field.
• You're comfortable in SQL and with large datasets, and quick to pick up AI tooling.
• You can explain complex data to senior, non-specialist audiences and bring people with you.
• You've led or mentored analysts, or you're clearly ready to start.

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.