Credit Risk Expert

In a nutshell

Your role’s purpose is to lead and provide advanced analytical and strategic guidance in the field of credit risk, ensuring that business decisions are backed by deep risk insights and robust methodologies.

As a Credit Risk Expert, you will act as a partner and advisor to both the Credit Risk function and other key IPF Digital functions (sales, marketing, finance, collections). You will take ownership of complex risk analyses, influence strategic initiatives across the business, and ensure that credit risk frameworks are robust, innovative, and aligned with company growth ambitions.

You will be expected to operate with a high degree of autonomy, challenge assumptions where necessary, and drive best practices in credit risk management. This business will be market-leading, ambitious and hungry for innovation — and you will help set the pace.

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

Your daily tasks:

• Leading and overseeing complex credit risk analyses, transforming data into actionable strategic recommendations.
• Owning and presenting in-depth reports and insights to senior management, with a focus on influencing high-impact business decisions.
• Designing and improving credit risk frameworks, methodologies for forecasting, and stress-testing credit exposure at portfolio and product level.
• Acting in reviewing and optimising processes and policies to protect the organisation from unexpected credit risk losses.
• Proactively identifying market trends, emerging risks, and opportunities — recommending and implementing innovative strategies to support sustainable customer growth.
• Ensuring governance standards are met, challenging credit and arrears management controls when necessary, and driving data-driven policy changes.
• Building relationships with internal and external stakeholders to align risk strategies across functions and geographies.
• Mentoring and guiding more junior analysts, sharing expertise, and raising the overall analytical capability within the team. 

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

• Master’s degree in mathematics, statistics, economics, or another finance-related field.
• Minimum 2 years’ proven experience in credit risk management, ideally in consumer finance or similar regulated industry.
• Track record of independently delivering high-impact credit risk projects from concept to implementation.
• Understanding of credit risk analysis techniques, modelling, and portfolio management.
• Advanced technical expertise in SQL, DWH usage, and analytical tools.
• Strong strategic thinking combined with hands-on problem-solving skills.
• Ability to communicate complex ideas clearly in English, both written and spoken.
• 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