Credit Analyst – SME Lending & Growth

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

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.