Risk Data Analyst

As a Risk Data Analyst at Bondora, you’ll work in our Credit area Data Science team, helping turn models into reliable, real-world risk decisions. You’ll support the rollout, validation, and ongoing monitoring of scoring and categorization models across our markets.

Working closely with Data Scientists, you’ll ensure risk rules and portfolio strategies stay effective, well-governed, and aligned with our risk appetite, while contributing through feature analysis, data preparation, and clear documentation. 💡

What you'll be doing:

• Investigate and document the value of existing features (e.g., insurance spend, education investments) and produce data-driven feature research reports.
• Collaborate on and execute strategy rollouts for new scoring models, including historical inference, pricing/economic model impact, and portfolio balance allocation per risk grade.
• Collaborate with Data Science to align rollout strategy with Country Risk Managers, challenge assumptions, and ensure actions align with the company’s risk appetite.
• Perform drift and stability analyses for both scoring and categorization models, define acceptance thresholds, and document results for auditability.
• Analyze and validate Categorix model performance and feedback loops, ensuring category-level drift stays within business tolerance.
• Build and maintain reference datasets that enrich DS feature engineering (e.g., education providers, insurer mapping, sector datasets).
• Review and challenge risk rules and portfolio strategies, running impact simulations and identifying optimization opportunities.
• Maintain structured documentation and dashboards, ensuring all analyses, validations, and rollouts are traceable and aligned with compliance and governance standards.

• Strong analytical and quantitative background, ideally in econometrics, risk analytics, or credit portfolio management.
• High proficiency in SQL and intermediate-level Python/R.
• Understanding of credit scoring models, risk segmentation, and portfolio management concepts.
• Familiarity with model monitoring (PSI, drift, cut-off stability, approval/rejection analysis).
• Experience in building and maintaining analytical dashboards (Tableau, Power BI, or similar).
• Strong documentation and communication skills for translating analytical findings into business actions.
• Awareness of economic and financial modeling principles used in pricing, affordability, and balance allocation.

• 🎯 Be part of Bondora’s ambitious journey toward 1BN in revenue - your work will have a real impact.
• 💰 Enjoy a competitive salary and amazing benefits: 5 weeks of vacation, private healthcare compensation, hobby grant, mental health support, share options, and much more!
• 📈 Work in an environment that encourages growth and innovation - with resources and budget for continuous learning.

If you have the guts, ideas, and a team vision, apply now! 

Our hiring process: 

1️⃣ Meet Kerli Hollo, our Talent Acquisition Partner — your first chat to share your story and ambitions.
2️⃣ Complete our personality and logic assessments via Alva Labs.
3️⃣ Meet Rafael, our Head of Data Science.
4️⃣ Tackle a home task to showcase your skills.
5️⃣ Discuss your case study with Data Science team members.
6️⃣ Chat with Juris, our Chief Credit Officer.
7️⃣ 🎉 If the stars align — welcome to Bondora!