Senior Data Analyst (Risk Management) w Warszawa, Polska

Allegro Pay is the largest and most dynamic fintech in Central Europe - the premier environment for building large-scale financial solutions with cutting-edge technology. We specialize in purchase financing and payment methods for Allegro customers, the leading e-commerce platform in Poland and a major player in Europe. Given our scale, we develop some of the most innovative payment and financing solutions nationwide. You will be instrumental in achieving core business goals, focusing on the optimization of credit risk, limit management, credit bureau reporting, BI tool development, and risk cost reduction. If you are passionate about designing new processes, utilizing data for risk management, and leading a high-impact function that drives lending portfolio expansion, we want to meet you. We are looking for talented people who want to create powerful and stable solutions to support a product with millions of active users. Your main responsibilities: -Optimize and scale Allegro Pay credit limit management strategies, -Oversee integrations with key partners (e.g., BIK, BIG’s), ensuring seamless data exchange and maximizing the value of partner data for risk assessment and reporting, -Analyze and develop risk processes to determine eligibility and usage parameters for Allegro Pay users, -Examine Allegro Pay customer behavior to identify and manage potential credit risk factors, -Implement innovative solutions by leveraging internal and external data sources, including credit bureaus, open banking, and device fingerprinting, -Propose strategic process improvements based on data insights and present findings to key stakeholders, -Collaborate with analytics, machine learning, and engineering teams to evolve the risk technology stack and design data process flows, -Developing creditworthiness assessment methodologies to ensure compliance with regulations and best practices, -Design, build, and maintain the risk datasets and reports necessary for effective credit risk management and portfolio monitoring. This includes developing new reports and dashboards to address evolving business needs and provide actionable insights, -Optimizing the cost of risk through robust credit monitoring. This is the right job for you if: -Have excellent and practical knowledge of SQL (we use Snowflake), -Have experience in analyzing credit data, including BIK/BIG data, -Have proven experience in credit risk management, -Have experience in creating data visualisations using tools like Tableau, -Are able to create, maintain, and implement credit policy documents, -Are familiar with AIS data management, including retrieving, structuring, and leveraging data for risk analysis, -Possess strong skills in risk data management and reporting, with the ability to design, build, and maintain risk datasets, dashboards, and reports that provide actionable insights. Nice-to-have: -Knowledge of Data Science, Python, AirFlow, GIT, Tableau and AI Agents is a plus. What we offer: -Fixed-term employment contract for substitution (maternity cover) - Flexible working hours in the hybrid model (4/1) - our hours can start between 7:00 a.m. and 10:00 a.m. We also have 30 days of occasional remote work. - Annual bonus based on your annual performance and company results. - Well-located offices (with e.g. fully equipped kitchens, bicycle parking, terraces full of greenery) and excellent work tools (e.g., raised desks, ergonomic chairs, interactive conference rooms). - A 16" or 14" MacBook Pro or corresponding Dell with Windows (if you don't like Macs) and all the necessary accessories. - A wide selection of fringe benefits in a cafeteria plan - you choose what you like (e.g., medical, sports or lunch packages, insurance, purchase vouchers). - English classes that we pay for related to the specific nature of your job. - A training budget, inter-team tourism (more here), hackathons, and an internal learning platform where you will find multiple trainings. - An additional day off for volunteering, which you can use alone, with a team, or with a larger group of people connected by a common goal. - Social events for Allegro people - Spin Kilometers, Family Day, Fat Thursday, Advent of Code, and many other occasions we enjoy. And that's just the beginning! You can read more about the benefits here. #goodtobehere means that: - You will join a team you can count on - we work with top-class specialists who have sharing knowledge and experience in their DNA. - You will love our level of autonomy in team organization, the space for continuous development, and the opportunity to try new things. You get to choose which technology solves the problem and you are responsible for what you create. - You will value our Developer Experience and the full platform of tools and technologies that make creating software easier. We rely on an internal ecosystem based on self-service and widely used tools such as Kubernetes, Docker, Consul, GitHub, and GitHub Actions. Thanks to this, you can contribute to Allegro from your very first days on the job. - You will be equipped with modern AI tools to automate repetitive tasks, allowing you to focus on developing new services and refining existing ones (also leveraging AI support). - You will create solutions that will be used (and loved!) by your friends, family and millions of our customers. - You will meet the Allegro Scale, which starts with over 1000 microservices, an open-source data bus (Hermes) with 300K+ rps, a Service Mesh with 1M+ rps, tens of petabytes of data, and production-used machine learning. - You will become part of Allegro Tech - We speak at industry conferences, cooperate with tech communities, run our own blog (it's been over 10 years!), record podcasts, lead guilds, and we organize our own internal conference - the Allegro Tech Meeting. We create solutions we love (and can) to talk about! Send us your CV and… see you at Allegro!