Senior Analyst - Credit Risk & Underwriting

What you will do As an Underwriting Analyst within Klarna’s credit decisioning function, you will contribute to building responsible, fair, and efficient credit decisions by combining data-driven insights with underwriting expertise. You will work across product, risk, and regional teams to evolve underwriting policies and support the transition toward a unified global platform. This position plays a key part in optimizing credit strategies that strengthen consumer trust, portfolio performance, and long-term growth. You will translate complex data into clear, actionable improvements that balance risk and business objectives. Who you are • Bachelor’s degree in Finance, Economics, Data Science, or a related field • 5+ years of experience in consumer credit risk, underwriting, or a related field • Experience in consumer credit risk, underwriting, or credit policy development • Proficiency in SQL and experience working with large datasets • Familiarity with credit bureau data, repayment behavior, and credit risk frameworks • Strong analytical skills with the ability to translate data into business insights • Effective communication skills with the ability to explain complex concepts clearly • Ability to work cross-functionally in a fast-paced, evolving environment Awesome to have • Exposure to global credit products or multi-market underwriting strategies • Experience working with credit decisioning systems or policy engines • Understanding of cost optimization strategies related to credit bureau usage Closing Please include a CV in English. Curious to learn more about Klarna and what it’s like to work here? Explore our career site! Klarna is proud to be an equal opportunity employer. We are committed to building a diverse workforce that reflects our global customer base and to fostering a culture where everyone belongs. We provide equal employment opportunities to all individuals regardless of race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, marital status, pregnancy, parental status, or any other characteristic protected by applicable law. We encourage applications from individuals of all backgrounds and identities. We consider qualified applicants with criminal history for employment in accordance with state and local laws and “fair chance” ordinances. If you require reasonable accommodation for any part of the application or hiring process, please contact . In accordance with applicable law, the salary range for this position is provided in the job posting. The salary offered will be determined by the candidate's location, qualifications, experience, and education. The salary range posted in the job advertisement refers to the base pay. Base pay is part of a total compensation package, which may also include equity rewards, monthly stipends for health and wellness, and benefits such as life insurance, medical, dental, and vision coverage for you and your dependents.