Credit Analyst

TechTree; Kraków; Hybrid; PLN 78,000 - 300,000; Full time

Job summary

TechTree in Kraków is seeking a Credit Analyst to support our expansion into Europe by evaluating SME loan applications and making sound credit decisions.

You will work with Lending, Customer Service, and Operations to ensure timely, fair, and commercially sound outcomes, with growth opportunities as the team scales.

Fluency in Polish and English is required; French is an advantage. This is a full-time, on-site role in Kraków.

Qualifications

• 2–3 years' experience as a Credit Analyst, Junior Underwriter, or similar role.
• Strong ability to analyse financial information and assess SME credit risk.
• Exposure to secured and unsecured lending is desirable.
• Fluency in Polish and English (both required). French is an advantage.

Responsibilities

• Assess SME loan applications and make risk-based credit recommendations.
• Review financial statements, credit reports, and other risk indicators to determine creditworthiness.
• Assist in structuring secured and unsecured loans, ensuring compliance with lending policies.
• Prepare clear credit assessments and provide input into credit decisions.
• Monitor portfolio performance and highlight potential risks or trends.
• Assist with hardship assessments by analysing customer circumstances and proposing solutions.
• Maintain accurate records and data integrity across systems.
• Collaborate with senior underwriters and contribute to process improvements within the team.

Skills

Credit analysis

Financial analysis

Risk assessment

Attention to detail

Analytical mindset

Job description

We're an international fintech lender on a mission to make funding faster and simpler for small businesses already operating in 11 countries. We're now launching in Kraków, and we're looking for people who want to build something new: the chance to help shape how we grow here from day one, with real ownership and room to develop as the team scales.

The role

The Credit Analyst role supports our expansion into Europe by assessing SME loan applications, providing sound credit decisions, and ensuring deals are structured effectively. This role requires strong analytical skills, attention to detail, and the ability to balance customer needs with sound risk management.

As part of the underwriting team, the Credit Analyst will work closely with colleagues across Lending, Customer Service, and Operations to ensure customers receive timely, fair, and commercially sound outcomes.

What you'll do

Assess SME loan applications and make well-reasoned, risk-based credit recommendations.

Review financial statements, credit reports, and other risk indicators to determine creditworthiness.

Assist in structuring secured and unsecured loans, ensuring compliance with lending policies.

Prepare clear credit assessments and provide input into credit decisions.

Support the monitoring of portfolio performance and highlight potential risks or trends.

Assist with hardship assessments by analysing customer circumstances and proposing solutions.

Maintain accurate records and data integrity across systems.

Collaborate with senior underwriters and contribute to process improvements within the team.

What you bring

2-3 years' experience as a Credit Analyst, Junior Underwriter, or in a similar credit or financial services role.

Strong ability to analyse financial information and assess SME credit risk.

Exposure to secured and unsecured lending is desirable.

Skilled in interpreting financial statements and credit reports.

Experience in alternative lending or non-bank financial services is a plus.

Strong problem-solving skills and commercial judgment.

High attention to detail, accuracy, and ability to work in a fast-paced environment.

Fluency in Polish and English (both required). French is an advantage but not essential.

Logistics

Full-time.

Compensation: 78,000 - 300,000 PLN gross per year, depending on experience and seniority.