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Credit Risk Expert (f/m/d) Miejsce pracy: Warszawa Your responsibilities Credit Risk Expertise: Strong ability to conduct advanced credit risk analyses and translate complex data into clear, actionable recommendations that influence strategic business decisions. Analytical Insight: Skilled in preparing and presenting detailed reports to senior stakeholders, supporting informed, data-driven decision-making across the organization. Framework Development: Experienced in designing, enhancing, and maintaining credit risk models, forecasting methodologies, and stress-testing approaches at product and portfolio levels. Process and Policy Optimization: Capable of reviewing, refining, and implementing risk processes and policies to strengthen credit controls and minimize exposure to unexpected losses. Market and Risk Awareness: Proactive in identifying emerging market trends, customer behaviors, and risk patterns, using insight to drive innovative and sustainable growth strategies. Governance and Control: Strong understanding of governance frameworks, with the confidence to challenge existing controls and recommend data-backed policy improvements. Cross-Functional Collaboration: Effective at partnering with colleagues across credit, finance, marketing, and collections to align strategies and ensure balanced risk-reward outcomes. Knowledge Sharing: Passionate about sharing expertise, supporting analytical upskilling, and contributing to a culture of continuous improvement within the Credit Risk Team. Our requirements Analytical Thinking: Able to interpret complex credit data, identify trends, and generate insights that guide strategic decisions. Master’s degree in mathematics, statistics, economics, or a related finance field. Credit Risk Expertise: Skilled in applying credit scoring techniques, portfolio analysis, and risk modelling across the consumer credit lifecycle. Solid understanding of credit risk analysis, modelling, and portfolio management techniques. Minimum 2-3 years of proven experience in credit risk management, ideally within consumer finance or another regulated industry. Technical Capability: Proficient in SQL and data warehouse tools, using data-driven methods to assess, monitor, and forecast credit risk. Critical Challenge: Confident in questioning assumptions and influencing stakeholders through evidence-based reasoning and sound judgment. Strong strategic mindset paired with practical, hands-on problem-solving ability. Problem Solving & Innovation: Uses creativity and structured thinking to design effective solutions to complex credit risk challenges. Autonomy & Accountability: Demonstrates initiative, independence, and strong organisational skills to deliver results under tight deadlines. Demonstrated ability to independently deliver high-impact credit risk projects from concept to implementation. Collaboration: Builds trusted partnerships across teams and shares expertise to strengthen overall analytical capability. Proven experience collaborating across finance, collections, and commercial teams to align risk strategies. Excellent communication skills in Polish and English, with the ability to present complex ideas clearly and confidently. And most importantly — a good sense of humour and a positive attitude! :) What we offer Real opportunities for growth – enjoy access to a variety of internal learning and external development initiatives. A fully free mental health platform with access to certified professionals: psychologists (including child psychologists), dietitians, business coaches, and physiotherapists. Relaxed team integrations – kayaking, cycling, workshops, team outings… we enjoy spending time together, and we make it happen regularly. Move your body, clear your mind – you can use a Multisport card or use private health care coverage. A truly international environment – we collaborate with teams from Mexico to Australia. Sounds exciting? That’s just our everyday reality. Company parking where you can book a parking place. Weekly team lunches – enjoy vouchers to nearby restaurants (yes, sushi included!). Brand new office in a prime location – Gdański Business Center in Warsaw, just 5 minutes from Dworzec Gdański metro station. Inside: 3 types of coffee, ping pong, and a chillout room. Tempted? Flexibility is not a buzzword – hybrid work model (2 days a week at the office) and flexible hours are our standard, not a perk. Benefits sharing the costs of sports activities private medical care sharing the costs of foreign language classes sharing the costs of professional training & courses life insurance remote work opportunities flexible working time fruits integration events dental care corporate library no dress code coffee / tea drinks parking space for employees leisure zone extra social benefits meal passes sharing the costs of tickets to the movies, theater holiday funds sharing the costs of holidays for kids baby layette school layette employee referral program opportunity to obtain permits and licenses charity initiatives About Team At IPF Digital, we’re on the journey of becoming a skills-based organization – where your capabilities and potential matter more than job titles. We want to know what you’re great at, what excites you, and what you’d like to grow into. Not sure if you tick every box? We’d still love to hear from you. At IPF Digital, our Credit Risk Team leads the way in shaping data-driven, responsible, and sustainable growth. We provide advanced analytical and strategic guidance to ensure business decisions are grounded in deep risk insight and robust methodologies. As part of this team, you’ll partner with experts across credit, finance, sales, marketing, and collections — driving innovation, influencing key strategies, and ensuring that our risk frameworks enable confident, balanced decision-making. We operate with curiosity, autonomy, and a passion for excellence. If you thrive on analysis, challenge assumptions, and want to help build market-leading credit risk practices, this is where you can make a real impact. What to expect next? Our recruitment process is straightforward and human-centered. You can expect a short screening call followed by a more in-depth interview with the Hiring Manager. We aim to give you clarity and feedback at every step. Here’s how our team describes our culture The culture at IPFD is driven by our shared values. People are put first, we accept differences, and encourage individuality. Due to our flat business structure, we enjoy collaborating. Enjoying some good times together is also highly encouraged! Sounds good? We all think so at IPF Digital. Whistleblowing At IPF Digital, we are committed to ethical conduct and upholding our values. We are dedicated to building trust-based relationships with our customers, employees, and the communities in which we operate. To support those who wish to act with integrity, we have implemented mechanisms that allow for the reporting of any concerns related to potential risks, unethical behavior, or legal violations. Want to report concerning behavior? Polish Whistleblowing Procedure