Senior Analyst - Credit Risk & Underwriting
What you will do As an Underwriting Analyst within Klarna’s credit decisioning function, you will help ensure that credit decisions are responsible, fair, and efficient by combining data-driven models, bureau insights, and underwriting expertise. You will work cross-functionally to streamline risk policies, migrate underwriting logic into a global platform, and optimize credit strategies that enhance consumer trust, portfolio health, and profitability. • Analyze consumer credit risk using large datasets, SQL, Python, and credit bureau information to improve underwriting policies. • Collaborate with product, risk, and regional teams to migrate logic into Klarna’s Global Underwriting Platform (GUP). • Support rollout of consistent POS credit policies across multiple markets. • Align purchase power and pre-qualification logic across Klarna’s App and One Card. • Optimize credit bureau strategies for efficiency and cost-effectiveness. • Translate complex data into actionable policy improvements balancing growth and risk. Who you are • Bachelor’s degree in Finance, Economics, Data Science, Mathematics or related field. • Experience in consumer credit risk, underwriting, or credit policy roles. • Proficient in SQL and comfortable with large datasets. • Familiar with credit bureau data, repayment behavior, and credit risk modeling. • Analytical and detail-oriented with a problem-solving mindset. • Effective communicator with strong policy translation skills. • Self-driven and excited to build the future of global credit underwriting at Klarna. Closing • Please include a CV in English. Curious to learn more about Klarna and what it’s like to work here? Explore our career site!
