## Job Details: Credit Portfolio Analyst - PolandFull details of the job.|
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| Credit Portfolio Analyst - Poland ||
| Poland - Warsaw ||
| Permanent ||
| Full Time ||
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| | --- | | At Ikano Bank, we believe work should feel meaningful and inspiring. Together, we create a great place to work where people are inspired to be the best they can be while contributing to a better life for our customers and the long-term success of the Bank. Guided by our Swedish heritage and values: common sense and simplicity, working together and daring to be different, we keep things straightforward and down-to-earth. If you like the idea of being part of a team that works hard, enjoys solving challenges together and dares to do things a little differently, you will feel right at home here.
Working in the Credit function means helping build a strong, responsible bank by setting smart credit strategies and promoting a culture of prudent risk management. It’s about supporting the business to grow safely and confidently, making a positive impact through sound and trustworthy decision-making. | ||
| Do you want your analysis to shape real credit decisions and business outcomes?
As our Credit Portfolio Analyst for Poland, you will help steer portfolio performance across the full customer lifecycle. You will identify emerging risks and opportunities, understand what is driving performance and translate your findings into clear recommendations.
Your insights will influence credit decisioning, pricing and collections strategies, helping us balance sustainable growth, profitability and responsible lending. As the representative for Poland within our international Credit organisation, you will contribute your local expertise while collaborating with colleagues across European markets. ||
| You will monitor and analyse portfolio performance, identify emerging trends and assess the key drivers of profitability, delinquency, NPLs, recoveries and write-offs. Rather than simply reporting what has happened, you will explain why performance is changing and recommend actions to improve outcomes.
You will support the development and evaluation of credit decisioning, pricing and collections strategies, monitor performance against risk appetite and ensure that portfolio insights are translated into effective actions. By creating a continuous feedback loop between portfolio outcomes and strategy, you will help strengthen our approach to portfolio steering.
Working closely with Credit, Commercial, Finance, Risk, Technology and Operations, you will present your findings to stakeholders and governance forums. You will also contribute to improving analytical processes, reporting, automation and data quality. ||
| Bachelor's Degree ||
| You have at least two years of experience in credit risk, portfolio analytics, portfolio management or a similar analytical role. You are comfortable working with large datasets, interpreting performance metrics and translating complex findings into practical recommendations.
A relevant degree in Finance, Economics, Statistics, Mathematics, Business Administration or a related field is preferred. We equally value relevant professional experience that provides a strong foundation for success in the role.
You combine analytical thinking with sound business judgement and understand how credit decisions affect customer outcomes, portfolio risk and profitability. You are curious about the reasons behind performance changes and confident in challenging assumptions constructively.
Experience in the Polish lending market and familiarity with consumer lending regulations are highly valued. Experience within banking, financial services or consumer lending will also support your success. Strong SQL and BI experience would be beneficial, while knowledge of Python, automation or statistical analysis would be an advantage. ||
| You communicate fluently in Polish and English. You can explain complex findings clearly to specialist and non-specialist stakeholders and are comfortable collaborating across countries, functions and levels of seniority. ||
| You bring a solid understanding of consumer lending, credit risk and portfolio management. This includes knowledge of portfolio monitoring, customer segmentation, risk appetite, credit decisioning, scoring, pricing, collections and early-warning indicators.
You understand key portfolio metrics such as probability of default, delinquency, NPL performance, recoveries and write-offs. Experience with vintage analysis, cohort analysis or strategy monitoring would be beneficial.
Knowledge of the Polish lending market, including relevant consumer lending regulations, KNF requirements and BIK practices, is highly valued. You should also understand how Credit, Commercial, Finance, Risk and Operations work together to support sustainable growth and responsible lending. ||
| You are able to structure complex information, identify the insights that matter and turn them into clear recommendations. You combine attention to detail with a pragmatic and commercially minded approach.
You take ownership of your work and are equally comfortable conducting independent analysis and partnering with stakeholders to implement improvements. You build strong working relationships, communicate confidently and focus on turning insight into measurable action. ||
| You are motivated by understanding what drives portfolio performance and using that knowledge to influence meaningful business decisions. You enjoy solving problems, identifying opportunities and seeing your analysis lead to tangible improvements.
You are not satisfied with simply explaining what happened. You want to understand why it happened, what should be done next and how your recommendations can create lasting value.
You thrive in an international and collaborative environment where you can take ownership, contribute new ideas and continue developing your expertise in credit risk, portfolio management and analytics. ||
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| | --- | | If this sounds like your kind of workplace, we would love to hear from you. You do not have to tick every single box. What matters most is your drive, your ideas and your willingness to grow with us. Our application process is simple. Just click on the Apply Button and we will get in touch with you soon. Apply today and let us build something different together. You want to know more about Ikano Bank? Check out our videos about culture, social/corporate responsibility and everyday working at the bank. For any questions, feel free to contact us at recruitment@ikano.se. | ||
| According to the market ||
| Annual Social Day for all Employees
Favorable Conditions for Ikano Bank Products ||
| 30 Nov 2026 |
