Credit Risk Analytics Expert

  • PayU
  • Bucharest, Romania
  • 18/05/2022
Full time Forex Fintech Accounting Analysts Backoffice Compliance IT - Software Development Trading

Job Description

Location: Bucharest office, Poznan office, Warsaw office or remote

Credit Risk ensure we lend within agreed risk appetite, this is achieved via management of Credit Risk strategies using reporting, scoring models and policies both for managing risk at point of application and account management.

About us

At PayU, we are a global fintech investor whose vision is to build a world without financial borders where everyone can prosper. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. We develop our own FinTech products and services in order to offer people in high growth markets the financial services and products they need to thrive. Our expertise in 18 high-growth markets enables us to extend the reach of financial services. This drives everything we do, from recruiting best engineering and product teams to investing in technology entrepreneurs, offering credit to underserved individuals and helping our merchants buy, sell and operate online.

Find out more at

What you need to do

  • Developing Credit Risk policy, including participation in building of scorecards, developing & optimising credit decision logic
  • Developing Risk reporting (SQL, Snowflake)
  • Identifying potential risk management opportunities through data mining of our data platforms.
  • Providing advice and adding value to business projects requiring risk management input. You’ll be proactive and creative in dealing with issues identified within projects.
  • Presenting a concise summary of results to relevant working groups

What you need to know and show

  • Previous experience within retail Credit Risk and a broad knowledge of retail lending products
  • SQL (Snowflake experience is nice to have)
  • Experience in the use of data processing tools such as R, Python or SAS
  • You’ll be well-organised, able to prioritise workload and work effectively and accurately under pressure.
  • Very good English communication skills.
  • Proven track record of working on your own initiative, with the ability to introduce fresh thinking to the role.

What we offer

  • Unique opportunity to become a part of a global company with a value-based approach (we are part of the international Naspers group);
  • An inclusive environment that ensures we listen to a diverse range of voices when making decisions.
  • A positive, get-things-done workplace
  • Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scale
  • A democratic work environment where you can drive your outcomes
  • Competitive salary and other benefits (Meal Tickets, Private Medical Subscription, Wellbeing Benefits, Nice company events, Bonuses & Gifts for special events, etc.)

Our Commitment to Building a Diverse and Inclusive Workforce

As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive and safe environment, for all our people, communities and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility and unbiased attention to every PayUneer so they can succeed, irrespective of gender, color or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities or the LGBTQ communities.

Closing date: 15 June 2022

Email CV to:

Should you not hear from us within 2 weeks of the closing date, you may assume that your application was unsuccessful.

“Companies don’t do things, People do”