Credit Risk Analyst (Maternity Cover)

Payugpo; Warszawa; On-site; PLN 80,000 - 120,000; Full time

Benefits offered by this job

MyBenefit system for package development

Internal training platform

Friendly work atmosphere

Job summary

Payugpo is seeking a Credit Risk Analyst to join their team on a fixed-term maternity cover contract for approximately 18 months in Warsaw, Poland. The successful candidate will manage customer credit risk exposure, ensuring thorough analysis and supporting credit decisions.

The role requires 2+ years of relevant experience and a Master’s Degree in Finance. Proficiency in English and Polish is essential, alongside strong analytical and communication skills. Benefits include a flexible work model and support for professional development.

Qualifications

• 2+ years of experience as a credit analyst or underwriter.
• Proficiency in spoken and written English and Polish.
• Very strong critical-thinking traits.

Responsibilities

• Produce well-supported customer credit risk analysis.
• Collect information from various sources for credit risk analysis.
• Calculate credit risk exposure and recommend mitigants.

Skills

Customer financial situation analysis

Analytical skills

Decision-making

Interpersonal skills

Communication skills

Education

Master’s Degree in Finance or related field

Tools

Tableau

SQL

Excel

Job description

We are currently looking for a Credit Risk Analyst to join our team on a fixed‑term (maternity cover) contract for approximately 18 months.

Responsibilities

• Produce well supported customer credit risk analysis (customer financial situation, business model, industry, and other aspects of customer activity).
• Collect internal and external sources of information such as financial statements, external credit reports, reviews or any other information supporting credit risk analysis.
• Calculate credit risk exposure and recommend/apply necessary risk mitigants.
• Process credit risk decisions in line with the approval matrix, if required – prepare recommendations to make credit decisions by the relevant credit committee.
• Support event‑driven or periodic review of customers’ portfolio in terms of credit risk verification during customer lifetime.
• Analyze and monitor customer business information, credit data and financial statements to establish and maintain accurate risk mitigants for the existing portfolio.

Qualifications

• 2+ years of experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business or middle market to large, multinational institutions.
• Master’s Degree in Finance or a business‑related degree.
• Proficiency in both spoken and written English and Polish.
• Advanced customer financial situation analysis and familiarity with accounting principles.
• Very strong critical‑thinking traits, including analytical, problem‑solving, and decision‑making capabilities.
• Able to work independently under pressure and accomplish tasks within tight deadlines.
• Strong interpersonal and communication skills.
• Familiarity with quantitative credit models (e.g., Moody’s RiskCalc) and knowledge of how to interpret the outputs and explain deviations is an asset.
• Hands‑on experience with tools supporting analysis and reporting (Tableau, SQL, Excel or similar) is an asset.

Benefits

• Ability to develop one’s own package in MyBenefit system.
• Access to an internal training platform.
• Possibility to work in a hybrid model.
• Friendly work atmosphere in a cooperation‑driven team that will support you everyday.
• Work in an international organization operating in a rapidly changing industry.