Senior Analyst - Credit Risk & Underwriting
Senior Analyst - Credit Risk & Underwriting
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Job Description
About Us
With 100 million global active users and almost 3 million transactions per day Klarna is on the way to becoming the worlds favorite way to shop. To help us get there were assembling an unparalleled global talent teamaccelerating individual careers and disrupting entire industries. Were looking for people ready to achieve the extraordinary and embrace our bold ambitions as we shape the future of payments and fintech. Will you join us
We are looking for an Underwriting Analyst to join Klarnas credit decisioning this key role you will help ensure that credit decisions at Klarna are responsible fair and efficient by combining data-driven models bureau insights and underwriting expertise. You will work closely with cross-functional teams across regions to streamline risk policies migrate underwriting logic into a global platform and optimize credit strategies that directly impact consumer trust portfolio health and overall profitability.
What You Will Do
- Analyze consumer credit risk using large datasets SQL python Cursor and credit bureau information to inform and improve underwriting policies.
- Collaborate with product risk and regional teams to migrate credit card and POS underwriting logic into Klarnas Global Underwriting Platform (GUP).
- Support the rollout of consistent POS credit policies for card acquisition and Purchase power across multiple markets.
- Align purchase power and pre-qualification logic across Klarnas App and One Card offerings.
- Optimize credit bureau strategy to maximize efficiency and cost-effectiveness of bureau pulls.
- Translate complex data and analysis into actionable policy and product improvements that balance growth with sustainable risk management.
Who You Are
- Bachelors degree in Finance Economics Data Science or a related field.
- Experience in consumer credit risk underwriting or related credit policy roles.
- Proficient in SQL and comfortable working with large datasets to drive analysis and decision-making.
- Familiar with credit bureau data repayment behavior and credit risk modeling techniques.
- Analytical and detail-oriented with a strong problem-solving mindset.
- Effective communicator with the ability to translate data insights into clear policy recommendations.
- Self-driven and excited to contribute to building the future of global credit underwriting at Klarna.
Closing
Klarnas Compensation model
To ensure fairness and maintain global market competitiveness each role in a specific location has a set base salary. During the recruitment process we will assess your skills and experience to determine which role is the best fit for you.
Please include a CV in English.
Employment Type
Full Time
