Senior Analyst - Credit Risk & Underwriting

IVP; City of Westminster; On-site; GBP 45,000 - 60,000; Full time

Job summary

A financial services firm is seeking an Underwriting Analyst to enhance credit decisioning by analyzing consumer credit risk using large datasets and SQL. The role requires proficiency in credit risk modeling and effective collaboration with product and risk teams. Candidates should possess a Bachelor's degree in a relevant field and experience in credit underwriting. Join us to help shape the future of global credit underwriting and support the development of efficient credit policies.

Qualifications

• Bachelor's degree in Finance, Economics, Data Science, or a related field.
• Experience in consumer credit risk, underwriting, or credit policy roles.
• Proficient in SQL and comfortable analyzing large datasets.

Responsibilities

• Analyze consumer credit risk using large datasets and SQL.
• Collaborate to migrate underwriting logic into Klarna's Global Underwriting Platform.
• Support the rollout of consistent credit policies across markets.

Skills

SQL

Data analysis

Problem-solving

Effective communication

Analytical thinking

Education

Bachelor's degree in Finance, Economics, Data Science, or related field

Job description

As an Underwriting Analyst within Klarna's credit decisioning function, you will help ensure that credit decisions are responsible, fair, and efficient by combining data-driven models, bureau insights, and underwriting expertise. You will work cross-functionally to streamline risk policies, migrate underwriting logic into a global platform, and optimize credit strategies that enhance consumer trust, portfolio health, and profitability.

Responsibilities

• Analyze consumer credit risk using large datasets, SQL, Python, and credit bureau information to improve underwriting policies.
• Collaborate with product, risk, and regional teams to migrate logic into Klarna's Global Underwriting Platform (GUP).
• Support rollout of consistent POS credit policies across multiple markets.
• Align purchase power and pre-qualification logic across Klarna's App and One Card.
• Optimize credit bureau strategies for efficiency and cost-effectiveness.
• Translate complex data into actionable policy improvements balancing growth and risk.

Qualifications

• Bachelor's degree in Finance, Economics, Data Science, or related field.
• Experience in consumer credit risk, underwriting, or credit policy roles.
• Proficient in SQL and comfortable with large datasets.
• Familiar with credit bureau data, repayment behavior, and credit risk modeling.
• Analytical and detail-oriented with a problem-solving mindset.
• Effective communicator with strong policy translation skills.
• Self-driven and excited to build the future of global credit underwriting at Klarna.

Please include a CV in English.

Curious to learn more about Klarna and what it's like to work here? Explore our career site!