Credit Analyst

As a Credit Risk Analyst at Bondora, you will play a key role in ensuring high quality credit decisions for cases that require human judgment beyond automated decisioning. Your focus will be on reviewing manual loan applications and exceptions, verifying customer information, and assessing affordability, risk, and compliance within a regulated EU consumer credit environment.

This is a hands on role with direct impact on portfolio quality, fraud prevention, and customer outcomes. You will work closely with Credit, Customer Service, and Data teams to improve decision quality, support model development, and strengthen credit policies.

Your main responsibilities 

• Review and underwrite manual loan applications and exception cases in line with Bondora’s credit policy.
• Verify customer identity and documentation, including KYC checks, income evidence, employment data, and supporting materials.
• Calculate affordability metrics and debt service ratios, and assess repayment capacity, fraud risk, and identity risk for selected cases.
• Make clear and timely approve or reject decisions and document the rationale accurately in the case management system.
• Escalate unusual or high risk cases, such as complex income structures, suspected fraud, or regulatory concerns, to the credit management team.
• Collaborate with data teams by labeling cases, providing feedback on model misses, and contributing to improvements in decision rules.
• Contribute to credit policy updates, underwriting playbooks, and training materials, while helping maintain strong audit trails for internal and regulatory reviews.
• Monitor manual review KPIs such as turnaround time, override rates, and default outcomes, and propose process improvements.
• Define and maintain clear playbooks for customer service teams to handle manual verification related tasks.

• Strong knowledge of regulated consumer credit underwriting within the EU environment.
• Experience assessing affordability, income stability, and credit risk in manual decision making.
• Comfort working with Excel, custom built CRM or ERP systems, and other credit decisioning tools.
• Ability to interpret data, identify inconsistencies, and make sound decisions based on evidence.
• High attention to detail, sound judgment, and confidence in documenting and explaining decisions.
• Ability to collaborate across teams and contribute feedback that improves policies, processes, and models.

• Contribute to Bondora’s ambitious goal of reaching 1BN in revenue. Your skills and efforts will directly impact our growth trajectory and shape the future of our company.
• Our employees deserve the best. We recognize our people with a competitive salary and a generous benefits package (5 weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, share options and much more!)
• We provide an environment that encourages your personal and professional growth. As we constantly evolve and innovate, you’ll have endless opportunities (and budget) to expand your skills and skyrocket your career.

If you enjoy structured decision making, ownership, and working at the intersection of credit, data, and operations, apply now and help us build a strong and responsible credit portfolio.

Our hiring process: 

• Meet Iryna, our Recruiter: Your first interview with Iryna will give you the chance to share your experiences and aspirations. 
• Assessments: Complete our personality and logic assessments to showcase your strengths. 
• Collaborate with Juris, Chief Credit Officer, our hiring manager. 
• Put your skills to the test: Tackle a home task related to underwriting and credit management. 
• Engage with Jurgis, Head of Credit and discus your home assessment. 
• The celebration begins: If the stars align, receive an offer to join the Bondora team!