Data Analyst – Marketing & Underwriting (B2C Lending/Fintech)

Our client is an established fintech and consumer lending business providing accessible digital credit solutions across Australia, the United Kingdom, the United States, and South Africa. Operating in a regulated financial services environment, they place strong emphasis on responsible lending, credit risk, AML/CFT compliance, fraud prevention, and customer-focused financial services.

   

Role overview

Our client is establishing a new online consumer lending business in Poland. This is one of the first two positions to be based locally, and it carries responsibility for the front half of the loan book: the source of applications, their cost, and the basis on which they are approved.

  

The role is deliberately hands-on in its initial phase. The successful candidate will review bank transaction data and bureau files personally, assess applications case by case, and work directly with the performance data behind each lead source. This is intentional. The understanding developed in those first months will form the basis of our client’s credit policy, their lead buying filters, and the automated decision rules that follow.

  

Software development is managed centrally by our head office team. The role defines requirements, tests delivery and escalates defects; it does not involve building systems.

  

Note: This is a greenfield operation. There is no established local team or process, and for an initial period there will be no local support structure to delegate to. They are therefore seeking someone comfortable operating with a high degree of autonomy, and who wishes to influence how the business is built.

  

Job Type: Full Time/Permanent

Location: Warsaw

Workplace: Onsite

Level: Mid-level (2–5 years)

Reports to: Senior management, Australian head office

Focus: Lead acquisition, application conversion, credit policy and automated underwriting

Direct reporting line to senior management, with ownership of credit policy from the point of market entry

Scope to shape acquisition strategy, underwriting and decisioning in a business being built from the ground up

Submission: Please apply with your updated CV in english

    

Requirements

• 2 to 5 years' experience in analytics, credit risk, performance marketing or lending operations. Candidates who have worked across more than one of these areas are of particular interest.
• Strong Excel and SQL, and comfort working with raw transaction-level data
• Willingness to undertake manual and repetitive review work in the early period. The role requires sustained involvement in operational detail and is not a purely strategic position.
• Native-level Polish, and English of a standard sufficient to present and defend recommendations to management in Australia
• Working knowledge of the Polish consumer lending market, including bureaus, open banking, lead sources, competitors and pricing
• A high degree of self-direction. The reporting line sits in a different time zone, and the successful candidate will largely set their own priorities.
• Experience in lending, fintech, insurance or telecommunications is preferred

   

Responsibilities

  

Lead partners and acquisition

• Own day-to-day relationships with lead partners, affiliates, comparison sites and networks in the Polish market
• Negotiate commercial terms, agree volume expectations, and hold partners to the lead quality contracted for
• Set and manage acquisition budgets against marketing spend as a percentage of funded volume and cost per acquisition, reallocating promptly where a source ceases to perform
• Refine buying filters, covering what is accepted, from which source, and at what price, on the basis of funded and repaid loans rather than application volume

  

Funnel and conversion

• Monitor the full funnel: click, application commenced, application completed, approved, funded
• Identify the points at which applicants drop out, establish the cause, and ensure remediation
• Test landing pages, application steps, form fields and messaging, and report measured outcomes
• Specify and raise change requests with the development team in head office, supported by the underlying evidence

  

Underwriting and credit policy

• Assess loan applications manually, particularly in the initial months, reviewing bank transaction data and summary metrics, the bureau report, and the application itself before making a decision
• Translate those decisions into documented credit rules and cut-offs capable of automation
• Build and refine the automated decision flow with head office, covering rules, score cut-offs, referral criteria, affordability assessment and fraud checks
• Monitor approval rates, conversion, first payment default, early arrears and vintage performance by source, product and policy version
• Recommend policy changes supported by analysis, including the volume impact of each

  

Data vendors

• Manage the data used across marketing and underwriting, including BIK, BIG InfoMonitor, KRD, ERIF, open banking (AIS) providers, and identity and fraud verification services
• Track hit rates, availability, cost per check and the incremental value of each vendor, and discontinue those that do not justify their cost
• Test new vendors and data sources, and lead the commercial discussion alongside the integration work

  

Reporting

• Own daily and weekly reporting to head office, covering volumes, cost, conversion, approval rates, funded loans and early performance
• Build and maintain the reporting personally, keeping it accurate and sufficiently clear to be used
• Present results and recommendations to management in Australia, and be prepared to defend them

  

Compliance

• Ensure acquisition and application journeys remain consistent with Polish requirements, including the Consumer Credit Act, non-interest cost caps under the anti-usury rules, mandatory creditworthiness assessment, KNF register obligations and UOKiK guidance
• Ensure consent capture in lead flows, marketing claims and pricing disclosure are defensible under RODO and consumer protection law
• Support the data inputs required for quarterly and annual KNF reporting

  

Tools and systems

• Advanced Excel or Google Sheets
• SQL. The role involves direct interrogation of the loan book on a daily basis.
• Reporting or BI platforms such as Power BI, Looker Studio, Metabase or Tableau
• Tracking, attribution and analytics tools, including GA4 and call tracking
• CRM and lead management systems
• Credit bureau and open banking data (BIK, BIG InfoMonitor, KRD, ERIF, Kontomatik or comparable)
• Exposure to a decision or rules engine is an advantage
• Python or R is useful but not required

  

Working arrangement

• Onsite in Warsaw, during Polish business hours
• Reporting to senior management in Australia, with a short daily call scheduled early in the Polish working day, corresponding to the close of the Australian business day
• Periodic travel to head office is anticipated during the first year

  

What success looks like

• Sustained month-on-month growth in daily applications and funded loans
• A credit policy that originated in manual assessment and now operates automatically, with performance to match
• Marketing spend as a percentage of funded volume and cost per acquisition improving, with lead sources ranked on repaid loans rather than application counts
• Early arrears and first payment default within target, with a clear explanation where they are not
• Reduced application drop-off, through changes identified and specified by this role
• Management in Australia holding timely visibility of portfolio performance without needing to request it