Credit Risk Policy Analyst — Global Underwriting Platform

Klarna; Stockholms kommun; On-site; SEK 600,000 - 1,000,000; Full time

Job summary

Klarna is migrating underwriting logic into a single Global Underwriting Platform (GUP) and is seeking an Analyst to shape risk policies across Klarna's App and One Card. You'll combine bureau data, underwriting expertise, and data-driven models to decide who gets credit and on what terms.

You'll work with Product, Risk and regional teams to ensure policy consistency and translate data findings into actionable changes that impact approval rates and portfolio health across markets.

Qualifications

• Experience in consumer credit risk, underwriting, or credit policy.
• Proficient in SQL and Python with large datasets.
• Ability to translate data findings into policy changes.

Responsibilities

• Analyze consumer credit risk using SQL, Python and bureau data to refine underwriting policy.
• Collaborate with product, risk, and regional teams on the Global Underwriting Platform migration.
• Roll out consistent point-of-sale credit policies across markets.
• Align purchase power and pre-qualification logic between Klarna App and One Card.
• Balance cost against decision quality in sourcing credit data.

Skills

SQL

Python

Credit risk

Data analysis

Education

Finance or Economics degree

Job description

Klarna is migrating underwriting logic into a single Global Underwriting Platform (GUP) and is seeking an Analyst to shape risk policies across Klarna's App and One Card. You'll combine bureau data, underwriting expertise, and data-driven models to decide who gets credit and on what terms.

You'll work with Product, Risk and regional teams to ensure policy consistency and translate data findings into actionable changes that impact approval rates and portfolio health across markets.