European Credit Risk Analyst

Are you passionate about data analysis, risk management, and turning insights into business decisions? Join our European Home Credit team and play a key role in monitoring portfolio performance across multiple markets, identifying emerging risks and opportunities, and delivering actionable recommendations that support sustainable business growth. Working closely with risk, finance, marketing, and IT teams, you will help drive a consistent and data-driven approach to credit risk management across the region

Key responsibilities:

• Monitor and analyse credit portfolio performance across European markets, identifying emerging risks, trends, and growth opportunities.

• Design and develop aligned credit risk dashboards and early warning indicators to support effective decision-making.

• Prepare insightful credit risk analyses and reports for senior management and Credit Committees, including recommendations for risk mitigation.

• Analyse credit risk data across the customer lifecycle, from application and scoring to loan closure, to improve portfolio performance.

• Support stress testing and scenario analysis to assess the impact of changing economic conditions on portfolio risk.

• Contribute to the development and enhancement of credit risk scoring models and risk measurement methodologies.

• Collaborate with credit risk teams across markets to align reporting, policies, and best practices.

• Partner with stakeholders across Risk, Finance, Marketing, and IT to support strategic initiatives and continuous improvement.

Our Requirements:

• Higher education degree, preferably in Economics, Statistics, Mathematics, Finance, or a related field.

• Minimum 1 year of experience in credit risk management within the retail banking or consumer finance sector.

• Experience in analysing credit risk indicators and evaluating new credit risk proposals.

• Good understanding of credit risk management principles for retail portfolios.

• Solid knowledge of statistics and financial analysis.

• Strong analytical and problem-solving skills.

• Ability to interpret data and translate findings into business recommendations.

• Excellent communication and stakeholder management skills.

• Fluent English, both written and spoken.

What we can offer:

• Stable employment – 93% of people are employed under an employment contract for an indefinite period.

• Safety – we have been on the Polish market for 29 years.

• Friendly work environment – we have received the Top Employer award 13 times in a row.

• Hybrid work – we usually meet in the office twice a week (Dworzec Gdański metro station).

• Extra 3 days of paid leave – if you use all your leave in a given calendar year.

• Private medical care with appointment guarantee service (Medicover).

• Full implementation under the supervision of a mentor, including a package of professional implementation training.

• Access to the development platform, including e-learning training, podcasts and webinars.

• Activities supporting development in the organization, e.g. the "Effective Manager" training series for people holding managerial positions.

• Business telephone (also for private use).

• Access to the ProviBenefity cafeteria platform, which is supplied with a monthly amount to be used, or subsidies for your Multisport card - you choose from 5 types of cards.

• Life insurance (UNUM Życie TUiR S.A.) on preferential terms.

• Christmas benefits and co-financing for the "Holidays under the pear tree" holiday for you and your children.

• Psychological support for employees, including: care of a psychologist (including children's), psychotherapist, dietician, coaching.