We believe in the everyday hero. Those who have the courage to follow their passion and who have the strength and determination to realise their dreams.
Small business owners are at the heart of all we do, so we're creating powerful, easy-to-use financial solutions to help them run their businesses. With a founder’s mentality and a team-first attitude, our diverse teams across Europe, South America and the United States work together to ensure that small business owners can be successful doing what they love.
Your Team
You’ll join Credit Risk Analytics, a high-impact squad at the core of SumUp’s Lending strategy — a business line on a very ambitious growth track.
This team sits at the intersection of risk, data, product, and engineering, owning credit performance end-to-end: from origination and pricing to portfolio monitoring and experimentation. You’ll work closely with Credit Risk Managers, Data Scientists, ML Engineers, and Credit Risk Engineering to ensure lending remains responsible, scalable, and profitable as we expand into new markets.
📍 Get a feel for life at our Barcelona office 👉 Watch here
What You’ll Do
- Own credit origination end-to-end, from planning and execution to monitoring performance against targets
- Track and analyse key credit risk KPIs, identifying trends, anomalies, and areas for investigation
- Support pricing, caps, and approval strategies by providing data-driven insights and recommendations
- Partner closely with Engineering, Data Science, and Product to improve automation and scalability of credit processes
- Contribute to portfolio monitoring, cohort analysis, and early risk detection across markets and products
- Help build and maintain clear documentation, policies, and reporting to support governance and audits
You’ll Be Great for This Role If
- You have strong experience in data analytics or similar, including 2+ years in a credit risk, lending analytics, or lending-related role
- You’re confident using SQL to query large datasets independently and turn results into actionable insights. Experience with Python is a plus
- You understand core credit risk concepts such as probability of default, credit margin, and the credit lifecycle, and how these elements interact with each other
- You’re comfortable working in a fast-changing environment where priorities evolve week to week.
- You thrive in a cross-functional agile framework
- You work autonomously, take ownership, and are proactive
- You communicate clearly and enjoy collaborating with cross-functional teams like Engineering and Data Science
Why You Should Join SumUp
🌎 Opportunity to work with SumUppers globally on large-scale fintech products used by millions of businesses worldwide, from our Barcelona office. This involves an office-first setup
🌈 Commitment to Diversity and Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced
🚀 Enrolment onto our VSOP program: you will own a stake in SumUp’s future success
🏖 Generous time off: enjoy 23 days of paid leave plus public holidays and special leave days
🥗 Subsidised restaurant tickets (Edenred) and office breakfast on Mondays
📚 A dedicated annual L&D budget of €2000 for attending conferences and/or advancing your career through further education
🌴 Break4me: 1-month sabbatical after 3 years of service
🔗 Referral Bonus: earn additional rewards by referring talented individuals to join the SumUp team
At SumUp, we’re on a mission to empower small businesses around the world with simple, affordable tools to help them start, run, and grow. More than 4 million merchants across 36 markets trust us as their financial partner — and we’re just getting started.
We’re a global team of 3,000+ people from over 90 nationalities, united by curiosity, collaboration, and care. Our core values and culture shape everything we do, fostering inclusion, learning, and belonging.
SumUp is proud to be an Equal Employment Opportunity employer, committed to building a safe, respectful, and diverse workplace where everyone can thrive.
👉 Explore more about our culture on our careers site, or follow us on LinkedIn and Instagram.
Job Application Tip
We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at SumUp.
Skills Required
- Strong experience in data analytics, particularly in credit risk or lending analytics
- 2+ years in a credit risk, lending analytics, or lending-related role
- Confident using SQL to query large datasets independently
- Experience with Python
- Understanding of core credit risk concepts
- Ability to work autonomously and proactively
SumUp Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about SumUp and has not been reviewed or approved by SumUp.
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Leave & Time Off Breadth — Paid time off is positioned as a standout, including 22 vacation days that increase with tenure, public holidays, a quarterly Wellness Day, special leave, and a fully paid one‑month sabbatical after three years. This combination makes time-off benefits feel notably robust in the overall rewards package.
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Healthcare Strength — Health coverage is described as comprehensive, with medical plan options (including carriers such as Cigna and Kaiser) plus dental and vision. Company-paid life insurance and disability coverage are also part of the protection package in the U.S. materials.
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Retirement Support — Retirement benefits include a published 401(k) match formula that provides an employer match up to a stated cap. The clarity of the match structure supports straightforward evaluation during offer comparisons.
SumUp Insights
What We Do
SumUp believes that every business should have access to affordable, easy-to-use financial solutions, no matter their size. That’s why more than 3 million businesses worldwide rely on SumUp to run their business. What started out as one card reader has now turned into a range of payment hardware, banking solutions, marketing, and loyalty tools, invoicing, and so much more. From sales and marketing to product and engineering, our cross-functional US team works together to ensure that small business owners can be successful doing what they love.
Why Work With Us
SumUp USA is part of the global SumUp organization that stretches across multiple continents from Berlin to Sao Paulo. Our teams are multicultural, have a collaborative mindset and bold goals. Join our mission if you want to become part of the success story and help empower over 3 million merchants using SumUp already!
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