Senior Analyst - Credit Risk & Underwriting

Deel; Paris; On-site; EUR 70,000 - 100,000; Full time

Job summary

Klarna in France is seeking a credit risk professional to turn bank account and transaction data into robust risk decisions for the French market. You may work on underwriting policy or the models that feed it, with a focus on fairness and portfolio performance.

You will collaborate with Risk, Product, and regional sales teams to evolve open banking-based underwriting in France and beyond. Fluent French and comfortable English are required, and you should be proficient with SQL and large

Qualifications

• 3+ years turning bank account and transaction data into an actual credit risk decision.
• Background from engineering, data science, mathematics, software engineering, or business/economics with hands-on credit risk work.
• Fluent in French and comfortable working in English.
• Comfortable in SQL and with large datasets.
• Able to explain what the data means to non-modelers.

Responsibilities

• Evolve underwriting policy, the models behind it, or both.
• Collaborate with Risk, Product, and regional teams to keep French underwriting aligned with business and regulation.
• Balance consumer fairness against portfolio performance; manage trade-offs.
• Translate data findings into changes the business implements, not just analysis.
• Help move Klarna's French underwriting toward a single global decisioning platform.

Skills

Credit risk data analysis

SQL

Large datasets handling

French language

English language

Job description

About the role

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. Klarna is big enough to put you on projects most companies can't offer, small enough that it's you doing the interesting part of the work, and hands-on enough that you're building with AI, not just watching it happen.

You'll turn open banking data into credit risk decisions for the French market - decisions Klarna can stand behind and that are fair to our consumers. Depending on your background, this sits closer to underwriting policy (shaping the decision logic itself) or closer to modelling (building what feeds it) - we'll figure out which fits once we understand your experience, and the exact scope may shift as the team's needs do. France is a market where Klarna is continuously growing, and leaning further into open banking data is the natural next step - you'll be working with transaction-level account data as a primary signal, not a secondary one. You'll work closely with Risk, Product, and regional sales teams to evolve how Klarna underwrites in France and other markets that we operate in, utilizing the power of open banking.

What you'll do

You'll evolve underwriting policy, the models behind it, or both, depending on where your experience is strongest. You'll work with Risk, Product, and regional teams to keep French underwriting aligned with the business and with regulation. You'll balance consumer fairness against portfolio performance - too strict costs approvals, too loose costs losses, and you'll own that trade-off. You'll turn what the data shows into changes the business actually implements, not analysis that sits in a deck. You'll help move Klarna's French underwriting toward a single global decisioning platform.

Who you are

You've spent 3+ years turning bank account and transaction data into an actual credit risk decision, ideally in the French market specifically. You come from engineering, data science, mathematics, or software engineering - or from business or economics, backed by real hands-on credit risk work. You're fluent in French and comfortable working in English, Klarna's working language. You're comfortable in SQL and with large datasets. You can explain what the data means to people who don't build models for a living.

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.