Designing credit risk strategies for Satispay products, with a strong focus on BNPL.
Quantifying credit risk, turning insights into decisions, and helping define the risk appetite.
Regular assessment of credit risk performance and designing policy leveraging models, rules, and data.
Recommending approve/decline limits and terms with concise rationales.
Providing the right balance between growth and loss management.
Maintaining regular reporting to track credit risk performance across products.
Collaborating with a large cross-functional group including product, marketing, business development, etc.
Defining target loss ranges and decision thresholds; contributing to policy updates.
Supporting governance with tidy documentation and on-time reporting.
Using SQL and Python to produce dependable extracts and reports.
Setting up simple checks/alerts to surface deterioration early.

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.
Working Python (pandas/numpy) and SQL skills to pull/clean data and ship repeatable analyses and reports (this is not a data science role).
Clear, structured communication; short memos, crisp recommendations, and constructive collaboration within Finance and with Product/Data/Ops.
Organised, documentation-first mindset; decisions and exceptions are review-ready.
Experience defining or operating risk appetite and simple decision thresholds.
Familiarity with BI tools (Looker/Metabase/Tableau) and versioned scripts/notebooks.
Comfort running small tests (e.g., threshold tweaks) and measuring impact.

Credit Risk Decision Analyst

Key skills