Senior Fraud Risk Analyst
Duelbits
SQL
Job Level
JuniorMid-Level
Tech Stack
SQL
About the role
- Analyze the applicant’s income, expenses, and overall financial position to assess repayment capacity.
- Verify declared income against supporting documents (employment contracts, payslips, PSD2 data, bank statements, tax statements).
- Perform credit bureau (BIK) & other external registers’ checks and interpret scoring, credit history, and repayment patterns.
- Calculate Debt-to-Income (DTI) ratios and assess compliance with bank’s affordability thresholds.
- Identify and evaluate existing liabilities, guarantees, and obligations.
- Apply internal and regulatory scoring models to assess the level of credit risk.
- Liaise with the front-office team for clarifications or additional information where required.
- Prepare written credit recommendations, including proposed conditions or mitigations.
- Adhere to all internal risk policies and escalation procedures for exceptions.
Requirements
- Minimum 2–3 years of experience in credit risk analysis, preferably in mortgage products.
- Strong knowledge of mortgage credit policies and KNF guidelines.
- Experience with analysing and understanding data from external registers in Poland.
- University degree in Finance, Economics, or related field.
- Proficiency in financial analysis, affordability calculations, and credit scoring tools.
- Analytical mindset with ability to detect inconsistencies or red flags.
- Good knowledge of SQL and Excel to perform data analytics.
- Strong written and verbal communication skills; communicative English.
