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Full-time
postgraduate degree
3 Health days per year, Founder's day, 1 Volunteering day per year, First day of school leave, Flexible working hours, Referral rewards
Posted 15h ago
~40 hrs/week
Responsibilities
The Credit Decisioning Analyst will design, configure, and optimize credit decision strategies and rules within the decision engine. They will also own the monitoring of risk decisions and translate data into actionable insights to support dynamic risk management.
Requirements
Candidates must hold a Master's degree in a quantitative field and possess 3 to 5 years of experience in credit risk analytics. Proficiency in SQL and either Python or R is required, along with experience using credit management platforms.
Full job description
Eurowag is building a credit decisioning capability that will underpin credit risk lending decisions across multiple products and markets. This role is the core of that capability. The Credit Decisioning Analyst will own the monitoring of the risk decisions and how these decisions eventually affect the performance of the lending portfolio, translating data into insights for dynamic risk management.
This is not a maintenance role. We are at the start of the build. The person we hire will help define how credit decisions are made, implemented and monitored at Eurowag for the next several years.
Eurowag is transitioning from a commercial fuel card and payments business to a financial services platform serving road transport operators across Europe. We are implementing Experian PowerCurve as our decisioning engine.
In parallel, our new SVP of Data & AI is leading a company-wide modernization of data infrastructure. This role sits at the intersection of credit risk and data capability and will be a key contributor to that transformation. The platform and the data infrastructure we build now will determine our ability to scale products across new markets.
The Credit Decisioning Analyst we hire must be ready not just for today's pilot, but for what this platform becomes in the future.
Strategy & Decision Logic
Design, configure, and optimize credit decision strategies in the decision engine, including scorecards, rules, and cut-off logic
Translate credit policy into automated decision flows, maintaining a live rule library with full version control and override governance
Run champion-challenger/shadow deployments before any live approval change
Own the feedback loop between observed vs predicted results
Model Development & Monitoring
Contribute to the development of Risk database aligned with the Data & AI modernisation roadmap
Identify scorecard degradation early and initiate recalibration or rebuild
Desired- Build and validate application, behavioural and collections scorecards using logistic regression and machine learning approaches
Desired- Monitor model performance on an ongoing basis: Gini, PSI, score drift, population stability
Analytics & Reporting
Produce regular credit performance reporting and KPIs
Build and maintain dashboards in Power BI or equivalent tools for credit risk KPIs
Support IFRS 9 provisioning with PD/LGD segment-level inputs
Conduct portfolio segmentation analysis to support portfolio management for limit review, watchlists and early warning system.
Support collections with suggestions to optimize collections policies.
Stakeholder & Cross-functional Work
Act as the primary analytical interface between credit risk and the Data & AI team
Collaborate with collections leads on segmentation strategy and risk feedback loops
Support the Head of Credit & Collections with credit committee materials and policy documentation
Participate in Experian managed service handover, ensuring full knowledge transfer before go-live
Required
Master's degree in mathematics, statistics, engineering, economics, or a quantitative field
3 to 5 years of experience in credit risk analytics at a bank, fintech, or credit bureau
Strong Python or R skills; SQL is non-negotiable
Experience working with a decisioning or credit management platform (PowerCurve, Provenir, FICO Blaze, Pega, or equivalent)
Ability to work independently and own a problem end to end without close supervision
Strongly Preferred
Experience in SME or commercial credit, or fleet/transport industry context
Direct experience with Experian PowerCurve Strategy Management
Experience in a multi-market or cross-border credit environment
Hands-on scorecard development experience: logistic regression, WOE/IV binning, validation
Exposure to feature engineering for credit models using transactional or behavioural data
Familiarity with IFRS 9 impairment modelling and ECL frameworks
Personal Attributes
Operates with a builder mindset: comfortable in ambiguity and early-stage environments
Combines technical depth with commercial awareness
Communicates findings clearly to non-technical audiences
Takes ownership and escalates with a proposed solution, not just a problem
Intellectually curious about how data and AI can extend credit risk capability
3 Health Days per year (no medical certificate required)
Founder's Day – 1 additional paid day off each year
1 Volunteering Day per year
First Day of School Leave for parents
Flexible working hours
Referral rewards through our "Go Far" programme
Learning & Development opportunities
"Philanthropy and You" programme, allowing employees to direct funding from the Eurowag Fund to causes they care about
Mojra confidential mental health support
Team events and activities
Additional Benefits in the Czech Republic
Flexible Benefits Budget – EUR 800 annually (prorated by FTE)
Empowering Clean, Fair, and Efficient Commercial Road Transport Across Europe.
Industry
Financial Services
Company size
1,001-5,000 employees
Founded
1996
Headquarters
Prague 4
LinkedIn followers
33,494
Eurowag is a leading technology company and an important partner to Europe’s Commercial Road Transport ("CRT") industry, with a purpose to make it clean, fair and efficient.
At Eurowag, we built the first end-to-end digital platform ("Eurowag Office") designed to solve critical services of SME customers in the Commercial Road Transport (“CRT”) industry. Our fully integrated platform includes Energy and Toll services, Fleet Management Solutions, Navigation, Transport Management and Work Time Management Solutions, road services as well as VAT refund and financial services.
Eurowag enables trucking companies to successfully transition to a low carbon, digital future by harnessing all mission critical data, insights and payment and financing transactions into a single ecosystem and connects their operations seamless before a journey, on the road and post-delivery. Eurowag is listed on the London Stock Exchange (LSE:EWG) and is a constituent of the FTSE 250.