Credit Risk Manager

Ipfdigital; Województwo mazowieckie; On-site; PLN 279,000 - 446,400; Full time

Benefits offered by this job

Access to internal learning and development initiatives

Mental health platform access

Team outings and activities

Private health care coverage

Company parking

Weekly team lunches

Brand new office in Warsaw

Hybrid work model

Job summary

Ipfdigital is looking for a professional in Poland to manage credit risk for their digital business. The role demands solid experience in credit risk management and an ability to make data-driven decisions. Responsibilities include shaping credit risk strategy, analyzing performance data, and overseeing operations and partnerships. The ideal candidate will thrive in an international environment, ensuring a balance between growth and responsible lending. Benefits include a hybrid work model, mental health platform access, and a vibrant office environment in Warsaw.

Qualifications

• Solid experience in credit risk management within digital lending or financial services.
• Hands-on experience with credit policies and decisioning.
• Ability to translate data into decisions using analytics.

Responsibilities

• Shape and own credit risk strategy for digital business.
• Analyze performance data to identify risks across credit lifecycle.
• Own underwriting and collections strategy and operations.

Skills

Credit risk management

Analytical thinking

SQL

Stakeholder management

Consumer credit regulations

Job description

About the Job

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.

Responsibilities

• 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

• 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 – 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 a 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.
• Company parking – book a parking place.
• Weekly team lunches – enjoy vouchers to nearby restaurants.
• 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 chill‑out room.
• Hybrid work model – 2 days a week at the office and flexible hours.