Designing credit risk strategies for Satispay products, with a strong focus on BNPL.
Regular assessment of credit risk performance to design risk policy leveraging models, rules, internal and external data.
Recommend approve/decline limits and terms; including concise rationales and keeping decisions auditable.
Provide the right balance between growth and loss management to meet financial goals.
Maintain regular reporting to track credit risk performance across products.
Highlight risks and opportunities, propose actions with expected impact.
Collaborating with a large cross-functional group including product, marketing, business development, etc.
Help define target loss ranges and decision thresholds; contribute to policy updates and simple guardrails.
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.
Set up simple checks/alerts to surface deterioration early.
Ensure exceptions are logged and follow-ups are tracked to closure.

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.

Credit Risk Decision Analyst

Key skills