Senior Data Analyst (Risk Management)

About the job

This is a critical and foundational role in launching and managing our new lending product for merchants. You will be essential in driving key business objectives: optimizing credit risk management, onboarding, building BI tools and minimizing the cost of risk.

You will be responsible for building the core credit infrastructure from the ground up and ensuring its long-term health and compliance. This involves everything from implementing credit policy rules to managing regulatory compliance and optimizing our cost of risk through robust monitoring.

If you thrive on building new processes, leveraging data to manage credit risk and owning a mission-critical function that directly impacts the company's lending portfolio growth, this is the role for you.

Your main responsibilities:

• develop, implement and continuously optimize the process for determining merchants eligibility, ensuring alignment with business objectives and risk appetite
• design, implement, and manage the end-to-end customer onboarding process, including the creation and maintenance of credit risk rules and decisioning logic, to ensure a seamless and efficient experience for new customers.
• developing creditworthiness assessment methodologies to ensure compliance with regulations and best practices. 
• creating, maintaining and implementing the credit policy document. 
• manage and oversee integrations with key partners (e.g., BIK, BIG’s), ensuring seamless data exchange and maximizing the value of partner data for risk assessment and reporting.
• design, build, and maintain the risk datasets and reports necessary for effective credit risk management and portfolio monitoring. This includes developing new reports and dashboards to address evolving business needs and provide actionable insights.
• optimizing the cost of risk through robust credit monitoring

We are looking for people who:

• have excellent and practical knowledge of SQL (we use Snowflake),
• have proven experience in credit risk management for JDG/small companies,
• have experience in analyzing credit data, including BIK/BIG data,
• have experience in creating data visualisations using tools like Tableau,
• are able to create, maintain, and implement credit policy documents,
• are familiar with AIS data management, including retrieving, structuring, and leveraging data for risk analysis,
• possess strong skills in risk data management and reporting, with the ability to design, build, and maintain risk datasets, dashboards, and reports that provide actionable insights.

Nice-to-have:

• knowledge of Data Science, Python, AirFlow and AI Agents is a plus

What we offer:

• well-located offices (with fully equipped kitchens and bicycle parking facilities) and excellent working tools (height-adjustable desks, interactive conference rooms),
• a wide selection of fringe benefits in a cafeteria plan – you choose what you like (e.g. medical, sports or lunch packages, insurance, purchase vouchers),
• English classes that we pay for related to the specific nature of your job,
• working in a team you can always count on — we have on board top-class specialists and experts in their areas of expertise,
• a high degree of autonomy in terms of organizing your team’s work; we encourage you to develop continuously and try out new things,
• if you want to learn more, check it out.

This may also be of interest to you: 

Allegro Tech Podcast → https://podcast.allegro.tech/

Send in your CV and see why it is #dobrzetubyć #goodtobehere