Credit Risk Underwriting Modeller

Inbank; Województwo pomorskie; Hybrid; PLN 140,000 - 190,000; Full time

Benefits offered by this job

6-week sabbatical after 4 years

Health insurance

Hybrid work model

Job summary

Inbank is seeking a Credit Risk Underwriting Modeller for our Gdańsk office. In this hands-on role you will develop and refine statistical models used in credit decisioning, collaborating with risk and tech teams to shape data-driven underwriting strategies.

You will work on end-to-end modeling, data integration, and model monitoring to improve profitability and risk controls, with a hybrid work setup and opportunities across multiple markets.

Qualifications

• 3+ years of experience in statistical, predictive, or data modeling.
• Solid understanding of statistical methods and machine learning techniques.
• Strong analytical mindset and ability to work with large, real-world datasets.
• Strong SQL skills and data extraction/manipulation experience.
• Proficiency in Python, R, or similar tools.
• Ability to work independently while collaborating with cross-functional teams.
• Clear written and spoken English communication.

Responsibilities

• Develop, improve, and maintain statistical models used in credit underwriting.
• Own the end-to-end modeling process from data collection to model deployment and monitoring.
• Analyze internal and external data to enhance model performance.
• Monitor models for accuracy, risk management, and profitability.
• Collaborate with technology to improve automated credit decision systems.
• Translate business needs into executable modeling solutions and ensure documentation.

Skills

Statistical modeling

Machine learning

Data analysis

SQL

Python

R

English communication

Tools

Python

R

Job description

Inbank is a financial technology company with an EU banking license that connects merchants, consumers, and financial institutions on its next-generation embedded finance platform. Our financing solutions are embedded seamlessly into the shopping journey of 6,000+ retailers. This helps our merchant partners grow their businesses, while end customers benefit from a frictionless shopping experience wherever they are. With a focus on innovation and growth, we are looking for talented people to join our team of 440+ working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic.

Due to our growth ambitions, we are looking for a talented Credit Risk Underwriting Modeller to join our Gdańsk office. In this hands-on role, you will help improve how we assess credit risk and ensure the profitability of our products by developing and refining statistical models used in credit decisioning.

You will work closely with credit risk specialists and technology teams, combining data, business understanding, and modeling techniques to build effective underwriting solutions. In this role, your work will have a direct impact on business performance. By improving credit decision models, you will contribute to better risk management and stronger profitability- playing a key role in shaping data-driven decisions across the organization.

What will you be doing?

• Develop, improve, and maintain statistical models used in credit underwriting
• Own the end-to-end modeling process: from data collection and preparation to model development, validation, and monitoring
• Analyze and combine internal and external data sources to enhance model performance
• Continuously monitor models and optimize them for accuracy, risk management, and profitability
• Collaborate with the technology team to improve automated credit decision systems (decision engine, data integrations, workflows)
• Work closely with credit risk underwriters and product managers to translate business needs into effective modeling solutions
• Prepare analytical reports and ensure clear model documentation and transparency
• Stay up to date with industry trends and best practices in credit risk modeling

Ideally, you would have:

• 3+ years of proven experience in a similar role (statistical, predictive, or data modeling); experience in fintech or banking is a plus
• Solid understanding of statistical methods and machine learning techniques, with the ability to apply them in practice
• Strong analytical mindset and confidence working with complex, real-world datasets
• Strong SQL skills, with hands-on experience in data extraction and manipulation
• Proficiency in Python, R, or similar tools
• Ability to work independently while collaborating effectively with cross-functional teams
• Clear communication skills in English, both written and spoken

What you’ll get in return?

• A competitive salary tailored to your experience, along with a comprehensive benefits package.
• Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.
• A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.
• A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.
• Flexibility through a hybrid and autonomous way of working, built on trust and accountability.
• The opportunity to collaborate with talented international colleagues across multiple markets.
• Regular team events and additional perks that make work more enjoyable and help celebrate successes together.