Senior Credit Data Engineer

About The RoleOwn, build, and operate Klarna’s global underwriting data products, ensuring data accuracy, completeness, and optimization for AI-agents and humans.Mission: Own, build, and operate Klarna’s global underwriting data products—self-describing tables and interfaces optimized for both AI-agents and humans—as the single source of truth for decisioning, monitoring, and optimization.What You’ll DoOwn the global UW tables (canonical facts/dimensions for applications, decisions, features, repayments, delinquency) with clear SLAs for freshness, completeness, accuracy, and data lineage.Design for AI-agents and humans: consistent IDs, canonical events, explicit metric definitions, rich metadata (schemas, data dictionaries), and machine-readable data contracts.Build & run pipelines (batch + streaming) that feed UW scoring, real-time decisioning, monitoring, and underwriting optimization.Instrument quality & observability (alerts, audits, reconciliation, backfills) and drive incident/root-cause reviews.Partner closely with Credit Portfolio Management, Policy teams, Modeling teams, and treasury and finance teams to land features for RUE and consumer-centric models, plus regulatory and management reporting.RequirementsProven ownership of mission-critical data products (batch + streaming)Familiarity with AI/agent patterns (agent-friendly schemas/endpoints, embeddings/vector search)Required SkillsSQLPySparkPythonApache AirflowAWS GlueKafkaRedshiftAWS (S3LambdaCloudWatchSNS/SQSKinesis)TerraformGitCI/CDdata modelingschema evolutiondata contractsobservabilityAI/agent patternsexcellent EnglishTeam membersCredit Portfolio ManagementPolicy teamsModeling teamstreasury and finance teamsSalary: 27720 - 32760 PLN