Senior Analyst

September 23, 2026

Hybrid

Senior

Warszawa, Poland

Important before applying

This job has conditions that may affect your decision to apply

Mandatory office attendance · 3 days per weekEnglish is requiredEnglish CV required

Description

Senior Analyst role in the credit decisioning team of a global consumer-finance company, focused on building and defending the underwriting policies that decide who gets credit in Poland and on what terms. The position covers analysis of consumer credit risk with SQL and Python against Polish credit bureau data, and bringing local credit policy onto a shared global underwriting platform. The analyst works with Product, Risk and the regional Poland team, aligning purchase power and pre-qualification logic across app and card products. Working proficiency in Polish and a CV in English are required.

Responsibilities

Analyze Polish consumer credit risk using SQL, Python and Polish credit bureau data to find where underwriting policy should tighten or loosen
Work with Product, Risk and the Poland regional team to bring Poland's credit policy onto the Global Underwriting Platform (GUP)
Align purchase power and pre-qualification logic for the Polish market across the App and the One Card product
Monitor how the Polish bureau data feeding the models performs and flag where sourcing or model quality needs to change
Turn what the analysis shows into policy changes that underwriting, product and the regional team can act on directly

Requirements

Experience in consumer credit risk, underwriting or credit policy, with understanding of how a policy change affects approval rates and portfolio health
Proficiency in SQL and comfortable working directly with large, messy datasets
Knowledge of credit bureau data, repayment behavior and credit risk modeling strong enough to spot where the numbers do not add up
Ability to work methodically through ambiguous or inconsistent policy logic until the actual root cause is found
Experience building underwriting or payment logic for a market where direct debit or local push payment methods, not card, are the default
Ability to turn a data finding into a policy change that underwriting, product and regional teams can each act on
Working proficiency in Polish
Bonus: degree in Finance, Economics, Data Science, Mathematics or a related quantitative field

Conditions

Co-located teams: most teams currently meet in the office 2–3 days per week, and this varies by team
Final compensation will be based on the candidate's qualifications, skills and experience
Depending on background, the role could land as Analyst or Data Scientist, with the exact title settled with the candidate

SQLPythonfintech / consumer credit

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