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Credit Risk Decision Analyst

Satispay

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Location:
Luxembourg

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Category:
Finance

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Contract Type:
Not provided

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Salary:

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Job Description:

As a Credit Risk Decision Analyst, you’ll play a key role in designing credit risk strategies for Satispay products, with a strong focus on BNPL. Your work will include but won’t be limited to quantify credit risk, turn insights into decisions, and help define our risk appetite, while collaborating closely with teammates to deliver data-driven solutions.

Job Responsibility:

  • Credit risk strategy development: design the risk policy leveraging models, rules, internal and external data, A/B test
  • recommend approve/decline, limits, and terms
  • provide the right balance between growth and loss management
  • Cross-product monitoring & quantification: Maintain regular reporting to track credit risk perfomance arises across products (exposure, delinquency, overdue, roll/flow rates, recoveries)
  • Highlight risk and opportunities and propose actions with expected impact
  • collaborate with a large cross functional group
  • Risk appetite & policy: Help define target loss ranges and decision thresholds
  • contribute to policy updates and simple guardrails
  • Support governance with tidy documentation and on-time reporting
  • Data enablement for Finance (Python/SQL): Use SQL and Python to produce dependable extracts, weekly packs, and lightweight, explainable credit risk reports
  • support ad-hoc data requests
  • Early-warning & execution hygiene: Set up simple checks/alerts to surface deterioration early
  • Ensure exceptions are logged and follow-ups are tracked to closure

Requirements:

  • 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
  • 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
What we offer:
  • Unlimited paid time off
  • Psychological support & mental health webinars with Serenis
  • Flexible hybrid working system
  • Extended parental leave
  • Childcare leave
  • Professional development programmes
  • Internal mobility program
  • Language classes with Preply
  • Internal workshops & training
  • Stock Option Plan
  • International relocation support
  • Competitive salary
  • Meal vouchers

Additional Information:

Job Posted:
January 20, 2026

Employment Type:
Fulltime
Work Type:
Hybrid work
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