Senior Credit Risk Analyst

Your Team

You’ll join Credit Risk Engine, a high-impact squad at the core of SumUp’s Lending strategy — a business line on a very ambitious growth track.

This team sits at the intersection of risk, data, product, and engineering, owning credit performance end-to-end: from origination and pricing to portfolio monitoring and experimentation. You’ll work closely with Credit Risk Managers, Data Scientists, ML Engineers, and Credit Risk Engineering to ensure lending remains responsible, scalable, and profitable as we expand into new markets.

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What You’ll Do

Own credit origination end-to-end, from planning and execution to monitoring performance against targets

Track and analyse key credit risk KPIs, identifying trends, anomalies, and areas for investigation

Support pricing, caps, and approval strategies by providing data-driven insights and recommendations

Partner closely with Engineering, Data Science, and Product to improve automation and scalability of credit processes

Contribute to portfolio monitoring, cohort analysis, and early risk detection across markets and products

Help build and maintain clear documentation, policies, and reporting to support governance and audits

You’ll Be Great for This Role If

You have strong experience in data analytics or similar, including 2+ years in a credit risk, lending analytics, or lending-related role

You’re confident using SQL to query large datasets independently and turn results into actionable insights. Experience with Python is a plus

You understand core credit risk concepts such as probability of default, credit margin, and the credit lifecycle, and how these elements interact with each other

You’re comfortable working in a fast-changing environment where priorities evolve week to week.

You thrive in a cross-functional agile framework

You work autonomously, take ownership, and are proactive

You communicate clearly and enjoy collaborating with cr