Senior Analyst - Consumer Credit Risk & Underwriting

As a Senior Analyst on Klarna’s Belgium credit decisioning team, you will shape underwriting policies using Belgian bureau data and market-specific models. You’ll collaborate with Product, Risk, and regional teams to deploy policies on Klarna’s Global Underwriting Platform, aligning purchase power and pre-qualification logic for Belgium. Expect to monitor data quality, diagnose policy impacts on approvals and portfolio health, and drive policy changes that scale across markets. This is a hands-on role with measurable impact oncredit decisions and customer outcomes.

• Analyze Belgian consumer credit risk with SQL and bureau data to guide policy tightening or loosening
• Integrate Belgium policy onto Klarna's Global Underwriting Platform (GUP)
• Align Belgium purchase power and pre-qualification logic across Klarna App and One Card
• Monitor Belgian bureau data quality and data sourcing/model performance
• Translate data findings into actionable policy changes for underwriting, product, and regional teams

• Experience in consumer credit risk, underwriting, or credit policy
• Proficiency in SQL and handling large, messy datasets
• Knowledge of credit bureau data, repayment behavior, and risk modeling
• Ability to trace root causes in ambiguous policy logic
• Experience building underwriting or payment logic for markets with non-card payment methods

• Analytical thinking
• Cross-functional collaboration
• Problem-solving focus
• SQL
• credit risk modeling
• data analysis of bureau data