Credit Risk Manager

IPF Digital; Warszawa; On-site; PLN 180,000 - 240,000; Part time

Benefits offered by this job

Learning programs

Mental health platform

Team outings

Private health care

Multisport card

International teams

Job summary

IPF Digital is hiring to drive profitable customer growth while managing credit, fraud and operational risk. You will shape end-to-end credit risk strategy and oversee rules, models and decision systems in partnership with our global credit hub.

The role requires translating data into decisions, collaborating across risk, credit, and operations, and working with external partners to ensure quality, efficiency and responsible lending in an international, digital-first environment.

Qualifications

• Must have solid experience in credit risk management within digital lending or financial services.
• Hands-on experience with credit policies, decisioning and scoring (including analytic work and SQL).
• Ability to translate data into decisions with strong analytical thinking.

Responsibilities

• Design and evolve end-to-end credit strategy balancing growth, profitability and responsible lending.
• Analyse performance data to identify risks and opportunities across the credit lifecycle.
• Oversee rules, models, scorecards and decision systems in collaboration with the global credit hub.
• Own underwriting and collections strategy and operations; manage external partners and cross-functional stakeholders.

Skills

Credit risk management

Credit policies

Decisioning & scoring

SQL

Data-driven decisions

English proficiency

External partnerships

Cross-functional collaboration

Tools

Credit risk tools

Decision engines

Job description

You'll be responsible for driving profitable customer growth while managing credit, fraud, and operational risk — keeping business performance and customer experience in balance.

The role sits across risk, credit, and operations, with regular collaboration with colleagues in Australia and other international markets.

You'll have real input into decisions, and the work has clear, measurable impact.

How you’ll put your skills into action

• Shaping and owning credit risk strategy: Design and evolve end-to-end credit strategy for our digital business — balancing growth, profitability, and responsible lending. Apply a test-and-learn approach, adapting strategies in line with performance and business needs.
• Data-driven decision making: Analyse performance data to identify risks and opportunities across the credit lifecycle. Translate insights into clear actions, and oversee rules, models, scorecards, and decision systems in collaboration with the global credit hub.
• Customer-centric, digital-first thinking: Shape a frictionless acquisition journey while maintaining strong credit quality. Balance innovation, scalability, and customer experience in all risk-related decisions.
• Leading operations and partnerships: Own underwriting and collections strategy and operations, ensuring quality and efficiency. Manage relationships with external partners (e.g. credit bureaus, collections, data providers) and collaborate closely with internal stakeholders.

Qualifications

• Solid experience in credit risk management within digital lending or financial services, with a strong understanding of consumer credit regulations.
• Hands-on experience with credit policies, decisioning and scoring (including analytical work and SQL).
• Ability to translate data into decisions — strong analytical thinking and comfort working with complex datasets.
• Experience working with external partners (e.g. credit bureaus, data providers) and influencing diverse stakeholders.
• Confidence operating in an international, cross-functional environment (English required).

Nice to have skills

• Experience in collections, underwriting or fraud management.
• Exposure to big data or advanced credit scoring techniques.
• Familiarity with credit risk tools, systems and decision engines.

Benefits

• Real opportunities for growth – enjoy access to a variety of internal learning and external development initiatives.
• A fully free mental health platform with access to certified professionals: psychologists (including child psychologists), dietitians, business coaches, and physiotherapists.
• Relaxed team integrations – kayaking, cycling, workshops, team outings… we enjoy spending time together, and we make it happen regularly.
• Move your body, clear your mind – you can use Multisport card or use private health care coverage.
• A truly international environment – we collaborate with teams from Mexico to Australia. Sounds exciting? That’s just our everyday reality.

Sounds good? We all think so at IPF Digital.