Credit Risk Manager

IPF Digital group; Warszawa; Hybrid; PLN 280,000 - 420,000; Full time

Benefits offered by this job

Hybrid work model

Mental health platform with certified-

Multisport card

Private health care

Job summary

IPF Digital Warsaw is looking for a senior credit risk leader to drive growth while balancing risk and profitability. You will own the end-to-end risk strategy across underwriting, collections, and operations, collaborating with our global credit hub and external partners.

You will translate data into actionable decisions, design and adapt risk rules and scorecards, and work across global teams to optimize credit performance while preserving customer experience.

Qualifications

• Solid experience in credit risk management within digital lending or financial services.
• Strong understanding of consumer credit regulations.
• Experience with credit policies, decisioning and scoring, including SQL.
• Ability to translate data into decisions and work with complex datasets.
• Experience with external partners and cross-functional international teams.
• English proficiency is required.

Responsibilities

• Shape and own credit risk strategy for digital lending.
• Data-driven decision making: analyze performance data, oversee rules, models, scorecards and decision systems.
• Manage underwriting and collections strategy and operations.
• Collaborate with external partners and internal stakeholders.
• Work in an international, cross-functional environment.

Skills

Credit risk management

SQL

Data analysis

Communication

English

Tools

Credit risk tools

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.

Here’s 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.

We also know that experience counts – and we believe that the following can support your success

• 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 that will help you thrive in this role

• 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.

Our hiring approach

Our recruitment process is straightforward and human-centred. You can expect a short screening call followed by a more in-depth interview with the Hiring Manager. We aim to give you clarity and feedback at every step.

What can we offer you?

• 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.

From office life

• Company parking where you can book a parking place.
• Weekly team lunches – enjoy vouchers to nearby restaurants (yes, sushi included!).
• Brand new office in a prime location – Gdański Business Center in Warsaw, just 5 minutes from Dworzec Gdański metro station. Inside: 3 types of coffee, ping pong, and a chillout room. Tempted?
• Flexibility is not a buzzword – hybrid work model (2 days a week at the office) and flexible hours are our standard, not a perk.

Here’s how our team describes our culture

The culture at IPFD is driven by our shared values. People are put first, we accept differences and encourage individuality. Due to our flat business structure, we enjoy collaborating together. Enjoying some good times together is also highly encouraged!

Sounds good? We all think so at IPF Digital.

Whistleblowing

At IPF Digital, we are committed to ethical conduct and upholding our values. We are dedicated to building trust-based relationships with our customers, employees, and the communities in which we operate. To support those who wish to act with integrity, we have implemented mechanisms that allow for the reporting of any concerns related to potential risks, unethical behavior, or legal violations.

Want to report concerning behavior? Click here to report