Credit Portfolio Analyst - Poland

Ikano Bank; Warszawa; On-site; PLN 120,000 - 180,000; Full time

Benefits offered by this job

Annual Social Day for all Employees

Favourable Conditions for Ikano Bank

Job summary

Ikano Bank in Poland is seeking a data-driven credit risk analyst to shape portfolio strategies across origination, back book and collections. You will translate complex data into clear insights that drive smarter credit decisions and better pricing.

You will collaborate with cross-functional teams across local and international markets, monitor key KPIs, and contribute to portfolio steering initiatives, ensuring risk and profitability are balanced.

Qualifications

• Bachelor's Degree required.
• 2+ years of experience in credit risk, analytics, portfolio management, or related field.
• Technical skills (SQL, Python, BI tools) are a strong plus.
• Experience in Polish lending environment and consumer lending regulations.
• Experience in KPI monitoring, reporting, or analytical problem solving.

Responsibilities

• Monitor and analyze credit portfolio performance for the Polish market across origination, back book, and collections.
• Track and report key KPIs (approval rates, PD mix, DPD 1+, NPLs, write-offs, recoveries).
• Support closed-loop portfolio steering by identifying signals and proposing actions across decisioning, pricing, and treatment strategies.
• Perform analyses on portfolio segments, customer behavior, and risk drivers to support optimisation initiatives.
• Assist in monitoring and optimisation of credit decision engines, including rule performance tracking.

Skills

Strong analytical skills

Attention to detail

Communication

Independent and collaborative

Education

Bachelor's Degree

Tools

SQL

Python

BI tools

Job description

Who We Are

At Ikano Bank, we believe work should feel meaningful and inspiring. Together, we create a great place to work where people are inspired to be the best they can be while contributing to a better life for our customers and the long-term success of the Bank. Guided by our Swedish heritage and values: common sense and simplicity, working together and daring to be different, we keep things straightforward and down-to-earth. If you like the idea of being part of a team that works hard, enjoys solving challenges together and dares to do things a little differently, you will feel right at home here.

Full Time/Part Time

Full Time

Working in the Credit function

Working in the Credit function means helping build a strong, responsible bank by setting smart credit strategies and promoting a culture of prudent risk management. It’s about supporting the business to grow safely and confidently, making a positive impact through sound and trustworthy decision-making.

Purpose of the Job

Make a real impact on how credit decisions shape business success. In this role, you’ll dive deep into portfolio performance, uncovering the key drivers of risk and profitability within the Polish market and turning data into clear, actionable insights.

You’ll play a central part in continuously improving portfolio outcomes by spotting trends early and ensuring those signals directly influence smarter credit decisions, sharper pricing strategies, and more effective collections. This is a unique opportunity to contribute to a dynamic, closed-loop portfolio steering where your analysis doesn’t just inform decisions - it helps drive them. You will represent the Polish market within an international credit organisation and work closely with colleagues across multiple European markets.

Responsibilities of the Job

• - Monitor and analyze credit portfolio performance for the Polish market across the full lifecycle (origination, back book, and collections).
• Track and report key KPIs (e.g., approval rates, PD mix, DPD 1+, NPLs, write-offs, recoveries) and highlight deviations from targets.
• Support closed-loop portfolio steering by identifying performance signals and proposing corrective actions across decisioning, pricing, and treatment strategies.
• Perform detailed analyses on portfolio segments, customer behavior, and risk drivers to support optimisation initiatives.
• Assist in the monitoring and optimisation of credit decision engines, including rule performance tracking and testing support.
• Contribute to back-book performance management through early warning analysis and identification of risk trends.
• Support the refinement of collection strategies in collaboration with NPL and Operations teams.
• Prepare regular reports, dashboards, and presentations for internal stakeholders and governance forums.
• Collaborate with cross-functional stakeholders (e.g., Credit, Commercial, Finance, Risk, Digital) at both local and central level.
• Support ongoing projects and transformation initiatives, including automation, data improvements, and analytical enhancements.

Education Level

Bachelor's Degree

Experience/Demonstrated Competencies

• - 2+ years of experience in credit risk, analytics, portfolio management, or a related field
• Experience from a Polish lending environment and working with consumer lending regulations
• Technical skills (e.g., SQL, Python, BI tools) are a strong plus
• Exposure to financial services or lending business is preferred
• Experience in KPI monitoring, reporting, or analytical problem solving
• Experience working in cross-functional or international environments is a plus

Language Competencies

• - Fluency in Polish & English.
• Additional language competencies are advantageous.

Knowledge required

• - Understanding of banking business, especially of the Polish lending products including KNF requirements, consumer lending regulations, credit bureau practices (BIK), and portfolio monitoring principles
• Knowledge of credit granting processes, credit risk metrics (e.g., PD, delinquency, NPL), and portfolio steering concepts.
• Familiarity with credit decisioning processes, scoring models, and lifecycle portfolio management.
• Understanding of fundamental regulations, guidelines, and compliance requirements in credit risk and lending.
• Awareness of governance structures within the Credit function.
• Knowledge of collections processes, credit bureaus, and external service providers in the credit ecosystem.
• Ability to work with large and complex datasets to generate meaningful analysis and insights.
• Awareness of cross-market portfolio dynamics and scalability considerations for future market expansion.
• Knowledge of collections processes, early warning signals, and NPL dynamics.
• Knowledge of fundamental regulations, guidelines and other compliance standards associated with credit business.
• Proficiency in analysing large datasets, using BI tools, and leveraging insights for strategy.
• Awareness of advanced risk technologies and digital transformation initiatives.

Capabilities for this job

• - Strong analytical skills with the ability to translate data and numbers into actionable recommendations.
• High attention to detail and quality, ensuring robust and reliable analyses for stakeholders.
• Ability to identify risks, inefficiencies, and growth barriers within the credit portfolio and propose solutions.
• Structured and efficient working style, focusing on delivering clear insights with pragmatic approaches.
• Ability to work both independently and collaboratively in cross-functional and multi-market environments.
• Good communication skills, enabling clear and effective interaction with different stakeholders.
• Capability to support decision-making through data analysis, reporting, and structured problem solving.
• Ability to balance routine performance monitoring with participation in projects and improvement initiatives.

What motivates you?

• - Passion for data-driven credit risk analysis and portfolio optimisation.
• Open-minded and flexible towards a broad range of tasks within credit risk and portfolio analytics.
• Collaborative, with a strong sense of ownership and team spirit across local and international stakeholders.
• Proactive mindset with a continuous drive to identify and implement process improvements.
• Curiosity and motivation to understand portfolio performance drivers and contribute to meaningful business impact.

Salary (per annum)

According to the market

Ikano Bank Benefits

• Annual Social Day for all Employees
• Favourable Conditions for Ikano Bank Products

Applications Close Date

09 Oct 2026