About Team

• We are a cross-functional, international Credit Risk team shaping responsible lending strategies across diverse markets.

• We combine data, technology, and commercial insight to deliver sustainable portfolio growth while protecting our customers and business.

This role is based in Poland (Warsaw), with responsibility for initiatives across all IPF Digital operations and markets.

Please note: this role is tailored for professionals with experience in short-term (30–90 day) consumer lending products.

Key Accountabilities:

• Design and maintain the credit risk framework, including policies, procedures, underwriting criteria, scorecards and early-warning triggers, to ensure appropriate control of short-term lending risk exposure.

• Develop and monitor portfolio risk appetite and performance metrics to balance growth and profitability within acceptable risk tolerance.

• Analyze and interpret portfolio performance data to identify emerging risks, root causes and opportunities for improvement in underwriting and collections strategies.

• Partner with Product and Marketing teams to ensure pricing reflects risk-adjusted returns.

• Collaborate cross-functionally with product, marketing, analytics, finance, collections and operations teams to ensure credit risk is embedded in all stages of the lending lifecycle.

• Deliver accurate and timely reporting and insights on credit performance, losses, delinquency, default and recovery rates for senior management and risk committees.

• Conduct stress testing and scenario analysis to assess the impact of economic and market factors on portfolio performance.

• Oversee integration of fraud detection tools and monitor fraud KPIs for the product.

• Ensure compliance with regulatory requirements (including consumer credit, AML, and data protection laws) and internal governance standards.

• Provide expert advice and training to stakeholders on short-term lending risk management and emerging market or regulatory developments.

Mandatory requirement:

Extensive experience (8-10+ years) in credit risk management, including short-term lending (pay day loans, micro loans). Applications without this specific experience will not be considered.

Knowledge, skills and experience

• Degree in finance, economics, mathematics, statistics or a related discipline.

• Proven track record of developing and implementing credit risk strategies, models or frameworks for short term lending.

• Experience presenting credit insights and risk recommendations to senior stakeholders or committees.

  Exposure to digital or automated lending (API-based or real-time credit decisioning platforms)

• Deep understanding of credit risk management principles across the short-term lending lifecycle, from origination to collections.

• Strong awareness of consumer credit regulations and responsible lending principles relevant to short-term lending.

• Knowledge of credit modelling, scorecards, and portfolio analytics.

• Financial literacy to interpret P&L impact of risk decisions

• Proficiency in data analysis tools (Excel, SQL, SAS, R, Python or similar).

• Strong analytical and problem-solving ability with attention to detail.

• Excellent communication and influencing skills to explain technical issues clearly.

• Sound judgement and commercial awareness in balancing risk and return.

• Capability to influence product design, pricing, and marketing from a risk perspective.

Our hiring approach
As part of our skills-first recruitment process, you will be asked to complete a practical work challenge. This gives you a chance to showcase your skills, your way of thinking, and your problem-solving approach – beyond what’s on a CV.
In the next steps, we’ll focus on getting to know you better through conversations around culture fit and soft skills, to ensure we’re a great match for each other.

What can we offer you?

• Real opportunities for growth – enjoy access to a variety of internal learning and external development initiatives.

• A fully free mental health platform with access to certified professionals: psychologists (including child psychologists), dietitians, business coaches, and physiotherapists.

• Relaxed team integrations – kayaking, cycling, workshops, team outings… we enjoy spending time together, and we make it happen regularly.

• Move your body, clear your mind – you can use Multisport card or use private health care coverage.

• A truly international environment – we collaborate with teams from Mexico to Australia. Sounds exciting? That’s just our everyday reality.

From office life

• Company parking where you can book a parking place.

• Weekly team lunches – enjoy vouchers to nearby restaurants (yes, sushi included!).

• Brand new office in a prime location – Gdański Business Center in Warsaw, just 5 minutes from Dworzec Gdański metro station. Inside: 3 types of coffee, ping pong, and a chillout room. Tempted?

• Flexibility is not a buzzword – hybrid work model (2 days a week at the office) and flexible hours are our standard, not a perk.

Here’s how our team describes our culture

The culture at IPFD is driven by our shared values. People are put first, we accept differences and encourage individuality. Due to our flat business structure, we enjoy collaborating together. Enjoying some good times together is also highly encouraged!

Sounds good? We all think so at IPF Digital.

🔍 Whistleblowing

At IPF Digital, we are committed to ethical conduct and upholding our values. We are dedicated to building trust-based relationships with our customers, employees, and the communities in which we operate. To support those who wish to act with integrity, we have implemented mechanisms that allow for the reporting of any concerns related to potential risks, unethical behavior, or legal violations.

Want to report concerning behavior? Click here to report

Polish Whistleblowing Procedure