Senior Credit Risk Analyst

Klarna makes shopping smoooth. And we do it with flair because shopping is fun. Every day, we help customers, businesses, and partners explore just how smoooth the modern shopping experience can be. 

It means we’re constantly changing the game. Always trying out new things. And we encourage our people to do the same. To grow. To develop. Because we don’t believe roles have to stay fixed. Instead we inspire our people to take an irregular career path. As a company of 350 dynamic start-ups, our whole business is built for it. So once you’re in, there’s no telling what will happen next.

Klarna strives to become the world’s favourite way to buy, and you can contribute to reaching this goal! We are looking to hire great people, who are passionate about using their talents to generate success. Analytics is no exception! We are currently looking to grow our Analytics teams to satisfy the company’s ever increasing need for complex problem solving and data driven decision making.

Who you are

We are looking for ambitious people with significant drive! We need problem solvers, initiative takers, people that see opportunities and potential to improve. You should be passionate about your job and enjoy a fast paced international working environment. You will play an important role in taking Klarna to the next level - thus, you should desire to go above and beyond to deliver and grow as an individual. At Klarna we embrace change, you should dare to challenge the status quo and be persistent in doing so.

What you will do

Klarna is looking for ambitious people with significant drive. You should be passionate about your job and enjoy a fast paced international working environment. Since you will play an important role in taking Klarna to the next level, you should desire to go above and beyond to produce the best work results. At Klarna we embrace change; you should dare to challenge the status quo and be persistent.
Analytics at Klarna is divided into many teams, all with their own unique responsibilities. However, there are some commonalities - they consist of highly driven people with a combination of analytical skills and a great team spirit who all love to solve hard problems.
You'll work in a newly created credit team working closely with our HQ in Stockholm to build lovable credit products here in the UK! This role will see you identify and solve issues in our conversion funnel, all while ensuring that Klarna remains financially responsible in our lending practices.

Day to day will see you

  • Designing and implementing credit strategies in a rapidly evolving industry.
  • Pro-actively and effectively communicating with various stakeholders, discussing the root cause of trends, assessing their impact and proposing solutions/optimisations.
  • Supporting wider business objectives by providing analytical expertise on new products and system developments and collaborating closely with other teams where relevant.
  • Delivering ad-hoc data analysis to support risk mitigation and control environment.
  • Developing as a professional in an entrepreneurial organisation that provides opportunity to work with your areas of interest.
  • Using analytical tools (e.g. SQL, Excel, R) to analyse data and problem solve with the end goal of detecting trends and making decisions.
  • Generate and communicate insights and recommendations

You should have

  • A degree from a university in a numerate subject (e.g. Economics, Engineering, Mathematics, business, any data related education program) 
  • A strong understanding of consumer credit in a tech setting.
  • Tech savviness with the ability to write rules for credit decisions.
  • Applicable work experience in Analytics, turning data into action
  • Knowledge of how to use data in driving business decisions
  • Experience in the entire Analytics lifecycle, from requirements gathering, data extraction, manipulation and analysis to sharing insights and advising on decision making
  • Experience of decision systems, including rule/strategy implementation and testing is preferred
  • Significant drive and ambition.
  • Strong conceptual ability.
  • Strong attention to detail.
  • Working proficiency and communication skills in verbal and written English.

You might also have

  • Strong attention to detail and experience in using structured approaches to problem solving
  • Significant drive and ambition
  • Strong conceptual ability
  • Preferably an understanding for how to perform data extraction and manipulation, as well as programming languages is a plus (SQL, R, Python, MatLab, Java, C# etc…)

Please send us a CV in this application and we will come back to you as soon as possible if we find your profile relevant for the role.

About Klarna

Klarna was founded in Stockholm, Sweden in 2005. Since then, we’ve changed the banking industry forever. And now we’re creating the world’s smooothest shopping experience. We serve 80 million consumers worldwide, and partner with 190,000 merchants – with a new merchant joining us every 8 minutes. Including some of the world’s leading brands, such as H&M, ASOS, IKEA, Adidas, Samsung and Lufthansa. Our offices are spread over 18 different markets, hosted by +3000 people from 90 nationalities.