Senior Data Analyst (Risk Management)

Description

Allegro Pay develops purchase-financing and payment solutions for Allegro customers. This role supports core business goals through credit-risk optimization, limit management, credit-bureau reporting, BI tool development, and risk-cost reduction.

You will design new processes, use data for risk management, and lead a high-impact function supporting lending portfolio expansion. The role focuses on building powerful, stable solutions for a product with millions of active users.

Responsibilities

• Optimize and scale credit-limit management strategies.
• Oversee integrations with key partners, including BIK and BIGs, to ensure seamless data exchange and maximize partner data for risk assessment and reporting.
• Analyze and develop risk processes that determine eligibility and usage parameters for users.
• Examine customer behavior to identify and manage potential credit-risk factors.
• Implement solutions using 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.
• Develop creditworthiness-assessment methodologies in line with regulations and best practices.
• Design, build, and maintain risk datasets and reports for credit-risk management and portfolio monitoring.
• Develop reports and dashboards that address evolving business needs and provide actionable insights.
• Optimize cost of risk through robust credit monitoring.

Requirements

• Excellent practical knowledge of SQL; Snowflake is used.
• Experience analyzing credit data, including BIK/BIG data.
• Proven credit-risk management experience.
• Experience creating data visualizations with tools such as Tableau.
• Ability to create, maintain, and implement credit-policy documents.
• Familiarity with AIS data management, including retrieving, structuring, and using data for risk analysis.
• Strong risk-data management and reporting skills, including 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.

Benefits

• Fixed-term employment contract for substitution (maternity cover).
• Flexible hybrid working hours (4/1), with start times between 7:00 a.m. and 10:00 a.m., plus 30 days of occasional remote work.
• Annual bonus based on individual performance and company results.
• Well-located offices with equipped kitchens, bicycle parking, green terraces, and modern work tools.
• Choice of a 16-inch or 14-inch MacBook Pro, or a Dell computer with Windows, plus necessary accessories.
• Cafeteria-plan benefits, including medical, sports, lunch packages, insurance, and purchase vouchers.
• Employer-funded English classes related to the role.
• Training budget, inter-team tourism, hackathons, and an internal learning platform.
• An additional day off for volunteering.
• Social events.

Working environment

• Work with experienced specialists in a team that shares knowledge and experience.
• Autonomy in team organization, continuous development, and technology choices.
• Access to a developer platform and internal self-service ecosystem using Kubernetes, Docker, Consul, GitHub, and GitHub Actions.
• Modern AI tools to automate repetitive tasks and support service development and improvement.
• Opportunity to build solutions used by millions of customers.
• Work at scale across more than 1,000 microservices, the Hermes open-source data bus, a service mesh, tens of petabytes of data, and production machine learning.