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)
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