Senior Credit Risk Manager

Job description

About Team We are a cross-functional, international Credit Risk team shaping responsible lending strategies across diverse markets. We combine data, technology, and commercial insight to deliver sustainable portfolio growth while protecting our customers and business. This role is based in Poland (Warsaw) , with responsibility for initiatives across all IPF Digital operations and markets. Here’s how you’ll put your skills into action: Credit Risk Strategy & Frameworks: Design and continuously evolve credit risk policies, scorecards, and underwriting frameworks that enable sustainable portfolio growth while maintaining strong risk control. Portfolio Performance & Risk Appetite: Define and monitor risk appetite metrics, ensuring the right balance between growth, profitability, and acceptable risk exposure across short-term lending products. Data Analysis & Insight Generation: Translate complex portfolio data into clear insights, identifying emerging risks, root causes, and actionable opportunities to improve underwriting and collections strategies. Risk-Adjusted Pricing & Commercial Alignment: Partner with Product and Marketing to ensure pricing strategies accurately reflect risk, dr...