Credit Risk Decision Analyst

Credit Risk Decision Analyst at Satispay

Please note that this opportunity requires relocation to our Luxembourg office.

About Satispay

Satispay was born to revolutionise everyday payments – making them simple, fair, and accessible to everyone. Now, the focus has moved even further, aiming to shape the future of money.

We're a movement empowering millions of people, driven by a shared purpose to tackle big challenges. And we’re just getting started. We move quickly, think boldly, and trust each other to challenge the norm, learning and growing as we go.

If you’re looking for more than just your next job – if you want to build something impactful with a talented team – you’re in the right place.

What You’ll Be Doing

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 quantifying credit risk, turning insights into decisions, and helping define our risk appetite, while collaborating closely with teammates to deliver data-driven solutions. Here’s what your day-to-day will look like:

Credit risk strategy development

• Through regular assessment of credit risk performance, you will design the risk policy leveraging models, rules, internal and external data, A/B tests, and any other tool you see fit.
• You will eventually recommend approve/decline, limits, and terms; including concise rationales and keeping decisions auditable.
• You will be expected to provide the right balance between growth and loss management so the company meets its financial goals.

Cross-product monitoring & quantification

• Maintain regular reporting to track credit risk performance across products (exposure, delinquency, overdue, roll/flow rates, recoveries).
• Highlight risk and opportunities and propose actions with expected impact.
• You will be collaborating with a large cross-functional group including product, marketing, business development, etc., to deliver the most optimal value for the company.

Risk appetite & policy

• Help define target loss ranges and decision thresholds; contribute to policy updates and simple guardrails the business can apply.
• 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.
• Act as a collaborative internal partner: support ad-hoc data requests that help Finance move faster and make better decisions.

Early-warning & execution hygiene

• Set up simple checks/alerts to surface deterioration early.
• Ensure exceptions are logged and follow-ups are tracked to closure.

Future scope — Financial Risk Team

As Satispay evolves, this role will become part of the broader Financial Risk team that will model, classify, detect, and identify financial risks end-to-end (today mainly credit; over time expanding to other financial risk areas). You’ll help shape the frameworks, metrics, and tooling that scale with us.

Expect challenges, collaboration, and the freedom to bring your ideas to life. Things change quickly here, so be ready to adapt, take initiative, and shape your role as we grow.

Who We’re Looking For

We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you?

Required experience:

• 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 (this is not a data science role).
• Communication skills: Clear, structured communication; short memos, crisp recommendations, and constructive collaboration within Finance and with Product/Data/Ops.
• Operating mindset: Organized, 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.

Don't worry if you don't tick every box. We believe in the power of different viewpoints and strengths. Your unique perspective is important as we build something special. If you're passionate and can make a difference, we truly encourage you to apply.

Our Benefits & Perks

We believe high commitment, effort, and impact deserve to be highly rewarded and supported. That’s why we created Satispay CareAbout, our way of making sure you’re supported in your well-being, growth, and finances:

👨‍👩‍👧 CareAbout Health & Well-being

• Unlimited paid time off
• Psychological support & mental health webinars with Serenis
• Flexible hybrid working system
• Extended parental leave
• Childcare leave

📚 CareAbout Growth & Development

• Professional development programmes
• Internal mobility program
• Language classes with Preply
• Internal workshops & training

💰 CareAbout Financial Support

• Stock Option Plan (with additional grants often provided based on performance)
• International relocation support
• Competitive salary
• Meal vouchers

Equal-Opportunity Employer

At Satispay, we're proud to be an equal-opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs!

Learn More About Us

Curious if our way of working clicks with yours? Our values and pillars aren’t just fancy words on a page - they really shape everything we do. Explore them here.

Sounds like your kind of place?

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Key skills/competency

• Credit Risk Management
• BNPL Strategy
• Risk Policy Development
• SQL
• Python (Pandas/Numpy)
• Data Analysis
• Credit Judgment
• Financial Risk Monitoring
• BI Tools (Looker/Metabase/Tableau)
• Loss Management