Hybrid Credit Risk Decision Analyst

at Satispay

• Job title: Credit Risk Decision Analyst
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Tech skills: Numpy, Pandas, Python, SQL, Tableau
• Location requirements: Hybrid, Luxembourg

About the role

• Credit Risk Decision Analyst designing credit risk strategies for BNPL products at Satispay. Collaborating with cross-functional teams to deliver data-driven solutions.

Responsibilities

• As a Credit Risk Decision Analyst, you’ll play a key role in designing credit risk strategies for Satispay products, with a strong focus on BNPL.
• Throughout regular assessment of credit risk performance you will design the risk policy leveraging models, rules, internal and external data, A/B test and any other tool you see fit.
• You will eventually recommend approve/decline, limits, and terms; including concise rationales and keeping decisions auditable.
• You will be expected to provide the right balance between growth and loss management so the company meets its financial goals.
• Maintain regular reporting to track credit risk performance arises across products (exposure, delinquency, overdue, roll/flow rates, recoveries).
• Highlight risk and opportunities and propose actions with expected impact.
• You will be collaborating with a large cross functional group including product, marketing, business development etc… to deliver the most optimal value for the company
• Help define target loss ranges and decision thresholds; contribute to policy updates and simple guardrails the business can apply.
• Support governance with tidy documentation and on-time reporting.
• Use SQL and Python to produce dependable extracts, weekly packs, and lightweight, explainable credit risk reports.
• Act as a collaborative internal partner: support ad-hoc data requests that help Finance move faster and make better decisions.
• Set up simple checks/alerts to surface deterioration early.
• Ensure exceptions are logged and follow-ups are tracked to closure.
• This role will become part of the broader Financial Risk team that will model, classify, detect, and identify financial risks end-to-end.

Requirements

• 2–5+ years in credit risk policy development (BNPL/short-tenor, SME/consumer, or trade credit).
• Strong credit judgment: Can read liquidity, leverage, and cash-flow quality and connect them to limits, terms, and follow-ups.
• Technical skills: Working Python (pandas/numpy) and SQL skills to pull/clean data and ship repeatable analyses and reports (this is not a data science role).
• Communication skills: Clear, structured communication; short memos, crisp recommendations, and constructive collaboration within Finance and with Product/Data/Ops.
• Operating mindset: Organised, documentation-first mindset; decisions and exceptions are review-ready.
• Risk ownership: Experience defining or operating risk appetite and simple decision thresholds.
• Analytics enablement: Familiarity with BI tools (Looker/Metabase/Tableau) and versioned scripts/notebooks.
• Testing mindset: Comfort running small tests (e.g., threshold tweaks) and measuring impact.

Benefits

• Unlimited paid time off
• Psychological support & mental health webinars with Serenis
• Flexible hybrid working system
• Extended parental leave
• Childcare leave
• Professional development programmes
• Internal mobility program
• Language classes with Preply
• Internal workshops & training
• Stock Option Plan (with additional grants often provided based on performance)
• International relocation support
• Competitive salary
• Meal vouchers