Risk System Analyst - Technical Solution

International Personal Finance Plc; Warszawa; Hybrid; PLN 120,000 - 240,000; Full time

Benefits offered by this job

Hybrid work model

Free mental health platform

Weekly team lunches

Job summary

IPF Digital in Warsaw is seeking a credit risk engineer to translate risk strategies into system rules, analyze data with SQL, and collaborate with Risk and IT teams across markets.

You will design technical specifications, test implementations, and contribute to automation and performance improvements, while communicating in Polish and English.

Qualifications

• Solid understanding of SQL, relational databases, and analytical problem-solving.

Responsibilities

• Translate credit risk strategies into system-ready rules and logic within decision engines.
• Use SQL and relational databases to analyse data, build queries, and support integrations for reliable risk systems.
• Design and maintain technical specifications, data flows, and rule logic with IT developers for accurate testing.
• Identify opportunities to improve decision modelling tools, processes, and system performance.

Skills

SQL & relational databases

Credit risk systems

Programming curiosity

Automation mindset

Analytical problem solving

Job description

At IPF Digital, we’re on the journey of becoming a skills-based organization – where your capabilities and potential matter more than job titles. We want to know what you’re great at, what excites you, and what you’d like to grow into. Not sure if you tick every box? We’d still love to hear from you.

About Team

As part of our Credit Risk HUB Team, you’ll play a key role in building and maintaining the technical foundations that power our decisioning systems across multiple markets. Working closely with both Credit Risk and our IT Development (Credit Feature Team), you’ll help shape the way risk strategies are delivered, automated, and improved — ensuring we make smart, fair, and efficient credit decisions.

If you’re eager to deepen your programming skills, enjoy problem-solving, and want to make an impact in a dynamic fintech environment, this is the perfect opportunity.

This role is based in Warsaw, with involvement in initiatives across all IPF Digital operations and markets.

Here’s how you’ll put your skills into action

• Risk System Execution: Translate credit risk strategies into system-ready rules and logic within decision engines, ensuring accurate and efficient implementation that supports high-quality customer decisioning.
• Data Analysis & Programming: Use SQL and relational databases to analyse data, build queries, and support integrations that strengthen the reliability and scalability of our risk systems.
• Solution Design & Testing: Design and maintain technical specifications, data flows, and rule logic while partnering with IT developers to ensure testing accurately reflects business requirements and delivers dependable outcomes.
• Continuous Improvement: Identify opportunities to improve decision modelling tools, processes, and system performance, helping enhance credit decision quality, operational efficiency, and automation.
• Problem Solving & Prioritisation: Assess business impact, troubleshoot issues, and manage competing priorities effectively to support both strategic initiatives and fast-moving operational needs.
• Collaboration & Knowledge Sharing: Build strong partnerships across Risk and IT teams, contributing ideas, sharing expertise, and supporting continuity across multiple markets and environments.
• Communication and language skills: Communicate confidently and clearly in both Polish and English, adapting your language and style to suit diverse audiences. You’ll facilitate collaboration across international teams, ensuring shared understanding and smooth delivery across markets.

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

• Solid understanding of SQL, relational databases, and analytical problem-solving.
• Experience implementing or supporting credit risk systems, decision engines, or rule-driven configurations.
• Exposure to fintech, digital financial services, or other data-driven environments.
• Curiosity about programming and automation, with a willingness to continuously develop your technical skills.
• Structured and detail-oriented mindset, with the ability to translate business requirements into technical solutions.

Our hiring approach

As part of our skills-first recruitment process, you may be asked to complete a practical work challenge. This gives you a chance to showcase your skills, your way of thinking, and your problem-solving approach – beyond what’s on a CV.

In the next steps, we’ll focus on getting to know you better through conversations around culture fit and soft skills, to ensure we’re a great match for each other.

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 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.

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.

Polish Whistleblowing Procedure