Lead Credit Risk Data Scientist – Real-Time Scoring

Klarna is seeking a Lead Data Scientist to shape the next generation of consumer-level credit scoring and portfolio valuation models. You will design and maintain real-time PD models and calibration frameworks for underwriting and return optimization.

Collaborate with cross-functional teams, translate insights into policy, and mentor junior staff. Strong Python/SQL, XGBoost, scikit-learn, and MLFlow experience required; familiarity with SHAP/LIME/PDP for explainability is preferred.