Credit Risk Analyst

In a nutshell

Your role’s purpose is to support the analytical part providing recommendations for strategic decisions and actions. As a Credit Risk Analyst you will work closely and act as a middleman between Credit Risk and IPF Digital functions (i.e. sales, marketing, finance, collections). It is your responsibility to align the different data requests as well as the different data sources within the organization and stimulate external partners to ensure they move in the right direction. Therefore, you need to understand both sides of the coin. This business will be market leading, ambitious and hungry for innovation.

This role will be based in Warsaw as part of the IPF Digital Credit Risk team providing reporting, credit risk services and expertise across all IPF Digital markets.

Your daily tasks:

• Providing analytical support as required on an ad hoc basis,

• Presenting reports and analysis to the risk team, taking every opportunity to make recommendations to improve business performance,

• Maintaining and ensuring effective reporting, being open to challenge and feedback

• Assisting in the development of methodologies for forecasting and stress testing credit exposure,

• Caring about the business; monitoring and reviewing processes and policies to protect the organization from unexpected credit risk losses,

• Getting stuck into the details, noticing key trends and patterns across the risk landscape and quickly acting upon them, getting a real buzz from recommending and implementing new strategies and approaches to further support customer growth,

• Testing and learning approaches towards the governance and development of credit processes and activities, being quick to tighten, relax or challenge credit and arrears management controls where they are not in support of the business strategy, 

So, what skills, knowledge and experience do you have?

• Master degree in mathematic, statistic, economics, or other Finance-related field

• At least 1 year’ experience in Credit Risk

• Knowledge and practical experience of credit risk analysis,

• Relevant technical knowledge within SQL and DWH usage

• High analytical and numerical capabilities,

• Strong understanding in consumer credit,

• Creativity and an attitude for problem solving,

• Good written, verbal and spoken English,

• Being organised and task-oriented approach

• Ability to multi-task, meet deadlines and track tasks progress

• Sense of humour! :)

We offer:

• Full-time employment contract in quickly developing company,

• Comfortable office located in a convenient place,

• Private healthcare,

• All tools necessary to be productive,

• Ability to implement your ideas in truly global environment,

• Fantastic, creative work atmosphere in highly professional team :)

You...
will love working at IPF Digital if you enjoy a truly international work environment and being part of an international HUB team. You like to be trusted to take responsibility for your tasks; you value friendly and open work culture and appreciate good teamwork.

We look after...
our people by providing all-you-can-eat fresh fruit daily, lunches at the expense of the company, and company parking where you can book a parking place. We support an active and healthy lifestyles and have fun team events both in the office and after work. Our employees' well-being and happiness are one of our top priorities.

Here’s how our team describes our culture:
The culture at IPFD is driven by our shared values. People are put first, we accept differences and encourage individuality. Due to our flat business structure, we enjoy  collaborating together. Although recognition is highly valued, failure is accepted...as long  as it’s fast. Enjoying some good times together is also highly encouraged!

Sounds good? We all think so at IPF Digital.

🔍 Whistleblowing

At IPF Digital, we are committed to ethical conduct and upholding our values. We are dedicated to building trust-based relationships with our customers, employees, and the communities in which we operate. To support those who wish to act with integrity, we have implemented mechanisms that allow for the reporting of any concerns related to potential risks, unethical behavior, or legal violations.

Want to report concerning behavior? Click here to report

Polish Whistleblowing Procedure