France Consumer Credit Underwriting Manager - AI & Data-Driven

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 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.