CREDIT RISK MANAGER jobs in New York

We are on a mission to liberate humanity from all the meaningless time spent managing their purchases and finances, so they can do more of what they love. Klarna was founded on a bold belief: that people are capable of achieving the extraordinary, even when faced with the seemingly impossible. Our journey has been one of continuous learning, facing immense challenges head-on, dedicating countless hours of hard work, and never wavering in our commitment or resilience - and now we are looking for individuals to join us on our journey and contribute to our mission.

As a Senior Credit Risk Analyst you will play a pivotal role in shaping our credit risk strategies for the US & UK markets. We are continuously seeking innovative opportunities to enhance our offerings. Notably, we've recently achieved significant milestones such as optimizing our US risk strategy for positive gross profits and launching our new Pay in 4 product. You will have the opportunity to change the credit industry by working on the Klarna Card product, making customer favorite payment method available everywhere.

• We are seeking ambitious individuals with a strong drive to succeed.
• As part of our diverse, collaborative teams based in Stockholm, London, and New York, you will challenge the status quo and help us achieve our objectives.
• We value problem solvers, initiative takers, and those who can identify opportunities for improvement.
• Your passion for your work should align with our fast-paced, international working environment.
• You will have a crucial role in propelling Klarna to new heights, so a commitment to going above and beyond is essential.
• We embrace change, and we encourage you to challenge the status quo persistently.

• Your responsibilities will include:
• Conducting statistical analysis to evaluate the impact of changes in credit strategy in a rapidly evolving industry.
• Build with a team of passionate engineers and analysts the future of underwriting.
• Proactively communicating with various stakeholders to analyze trends, assess their implications, and propose solutions/optimizations.
• Ensuring that metrics and strategies are tailored to the current credit environment and emerging risks, such as macro trends.
• Providing analytical expertise on new products and markets to support broader business goals, collaborating closely with other teams as needed.
• Establishing robust controls, monitoring, and testing programs.
• Developing professionally in an entrepreneurial organization, allowing you to work in areas of your interest.
• Utilizing analytical tools (e.g., SQL, Python, or similar) to analyze data, identify trends, and challenge business decisions.

• 1-3 years of experience in consulting, investment banking, fintech/payments companies, or other high-growth organizations in a quantitative or analytical role.
• A degree from a university in Science, Technology, Engineering, Mathematics, or a Business field.
• An outstanding track record in optimizing business performance and identifying gaps in business strategy, particularly in financial services and credit risk.
• Tech-savviness, with the ability to write rules for credit decisions.
• Proficiency in data extraction and manipulation, as well as programming languages (SQL, R, Python, MatLab, Java, C#, etc.).
• Significant drive, ambition, and a structured problem-solving approach.
• Excellent stakeholder management skills.
• A curious mindset and a love for questioning the "why."
• Proficiency in verbal and written English communication.

• Strong attention to detail.
• Strong conceptual ability.
• Significant drive and ambition.

Please submit your CV in English through this application, and we will promptly review your profile for relevance to the role.

About Klarna

Since 2005 Klarna has been on a mission to revolutionize the retail banking industry. With over 150 million global active users and 2 million transactions per day, Klarna is meeting the changing demands of consumers by saving them time and money while helping them be informed and in control. Over 450,000 global retail partners, including H&M, Saks, Sephora, Macys, IKEA, Expedia Group, and Nike have integrated Klarna's innovative technology to deliver a seamless shopping experience online and in-store. For more information, visit Klarna.com

It is our commitment that every qualified person will be evaluated according to skills regardless of age, gender, identity, ethnicity, sexual orientation, disability status or religion. Please refrain from including your picture and age with the application.