Deel

Financial Crime Compliance Specialist

Analytics · Columbus · Full-time · $105,394 USD - $132,206 USD

OverviewApplication

About the position

In this position, you will strengthen Klarna’s financial crime controls by providing independent, risk-based oversight of the Anti-Money Laundering framework within Second Line Compliance. You will apply sound regulatory judgement across key AML activities, including review and approval of Suspicious Activity Reports under MLRO delegation, while partnering closely with AML Operations, MLROs, and senior Compliance stakeholders. As Klarna evolves its AML operating model, you will initially contribute hands-on to critical regulatory activities and progressively shift towards analytical oversight of control design, effectiveness, and outcomes across products and markets. You will help ensure that AML risks are well understood, appropriately mitigated, and clearly evidenced to regulators.

What you will do

• Review and approve Suspicious Activity Reports (SARs) under MLRO delegation to ensure regulatory thresholds are met
• Review investigations and SAR narratives for quality, completeness, and defensibility
• Provide structured feedback to AML investigation teams on investigation quality and SAR narratives
• Identify complex or sensitive cases requiring escalation to MLROs
• Perform second-line oversight of AML controls, with a focus on Transaction Monitoring effectiveness
• Conduct thematic reviews across SAR outcomes, escalation decisions, and typologies
• Assess whether AML risks are adequately covered across products and customer segments
• Contribute to AML input for new products, material changes, and control enhancements
• Analyse AML metrics and trends to identify control gaps, emerging risks, or degradation
• Support governance, documentation, and clear separation of responsibilities across AML teams

Who you are

• Support governance, documentation, and clear separation of responsibilities across AML teams
• Experience in AML, financial crime, or compliance within a regulated financial institution, such as a bank, fintech, payments company, or equivalent
• Strong hands-on experience with SAR processes, including drafting, review, approval support, or filing, and understanding of applicable regulatory thresholds
• Demonstrated understanding of AML risk typologies, escalation criteria, and how regulatory expectations are applied in practice
• Proven ability to apply independent judgement in complex, sensitive, or ambiguous cases
• Experience reviewing the quality, completeness, and defensibility of investigations and regulatory narratives
• Excellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanations

Awesome to have

• Excellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanations
• Experience working in, or closely with, a second line of defence, compliance oversight, quality assurance, or risk function
• Exposure to transaction monitoring frameworks, scenario-based monitoring, or assessment of transaction monitoring effectiveness
• Experience supporting MLROs, acting under MLRO delegation, or preparing materials for MLRO decision-making and escalation
• Experience performing thematic reviews, trend analysis, or control effectiveness assessments
  • Familiarity with EU and US AML regulatory frameworks and supervisory expectations, including FIU processes and relevant regulatory guidelines
• Experience contributing to new product risk assessments, regulatory change implementation, or control enhancements

Please include a CV in English

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Klarna is proud to be an equal opportunity employer. We are committed to building a diverse workforce that reflects our global customer base and to fostering a culture where everyone belongs. We provide equal employment opportunities to all individuals regardless of race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, marital status, pregnancy, parental status, or any other characteristic protected by applicable law. We encourage applications from individuals of all backgrounds and identities. We consider qualified applicants with criminal history for employment in accordance with state and local laws and “fair chance” ordinances. If you require reasonable accommodation for any part of the application or hiring process, please contact [email protected].

In accordance with applicable law, the salary range for this role is provided in the job posting. The salary offered will be determined by the candidate's location, qualifications, experience, and education. The salary range posted in the job advertisement refers to the base pay. Base pay is part of a total compensation package, which may also include equity rewards, monthly stipends for health and wellness, and benefits such as life insurance, medical, dental, and vision coverage for you and your dependents.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Erlang Engineer - Dunning Banking Servicing

Engineering · Stockholm · Full-time · kr 55,206 SEK - kr 61,831 SEK

OverviewApplication

What you will do
As a  you will design, build, and maintain highly scalable and resilient backend systems that power Klarna’s core payment infrastructure. You will work in cross-functional teams to solve complex distributed systems challenges, contributing to architecture decisions, implementation, and system reliability. You will take ownership of services end to end, ensuring high availability, fault tolerance, and performance in a real-time environment. You will also contribute to improving engineering practices, sharing knowledge, and driving continuous innovation across the organization.

Who you are• Proven experience in software engineering with strong expertise in Erlang or Elixir
• Solid understanding of distributed systems, concurrency, and fault-tolerant design
• Experience building and maintaining scalable, high-availability systems in production environments
• Experience in cloud AWSFamiliarity with APIs, messaging systems, and microservices architecture
• Ability to write clean, testable, and maintainable code
• Comfortable working in agile environments and collaborating with cross-functional teams
• Strong problem-solving skills and ability to work effectively in complex systems
• Working proficiency and communication skills in verbal and written English

Awesome to have
• Experience with OTP principles and Erlang/Elixir ecosystems
• Experience with containerization technologies such as Docker and Kubernetes
• Knowledge of monitoring, observability, and performance tuning in distributed systems
• Experience in fintech, payments, or other high-availability environments

• Knowledge of monitoring, observability, and performance tuning in distributed systems

• Experience in Card Payment APIs

Please include a CV in English

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Data Engineer - Credit Loss Modeling & Provisioning

Engineering · Stockholm · Full-time · kr 611,050 SEK - kr 843,151 SEK

OverviewApplication

What You'll Do

• Build and maintain production data pipelines using Airflow-based orchestration and SQL to process credit balances, delinquency histories, credit scores, and provisioning outputs across multiple regions.
• Design and optimize complex SQL transformations in Amazon Redshift, working with multi-terabyte datasets spanning loan-level exposures, payment histories, charge-offs, write-offs, and recoveries.
• Develop ETL processes using PySpark on AWS Glue to extract and transform balance data, credit bureau scores, and feature sets from source systems.
• Own feature engineering pipelines that produce training datasets and model inputs, including delinquency features, payment behavior, and macroeconomic indicators.
• Build and maintain cloud infrastructure using Terraform to manage AWS resources including Batch compute environments, Lambda functions, ECS services, S3, SNS, and CloudWatch.
• Develop event-driven data flows using Kafka and Avro, including schema management via Schema Registry, to support bookkeeping and downstream financial systems.
• Orchestrate end-of-month production runs using Lambda and Batch - coordinating data preparation, model scoring, and result exports across regions.
• Maintain ML platform infrastructure (MLflow on ECS) supporting experiment tracking and model registry for the data science team.
• Build data quality and stability checks through reconciliation pipelines, freshness monitoring, and automated validations to catch issues before they reach production models.
• Develop monitoring dashboards to track input data quality, delinquency patterns, loss rates, and fair value metrics.
• Manage the losses data model covering provisioning, charge-offs, write-offs, recoveries, and fair value that feeds downstream financial reporting.

Who you are

• 1+ years of experience as a Data Engineer, Analytics Engineer, or similar role.
• Advanced SQL skills - complex multi-CTE queries, window functions, and performance-tuned transformations in a columnar warehouse (Redshift, BigQuery, or Snowflake).
• Python proficiency for data processing, pipeline orchestration, and scripting (pandas, boto3).
• Experience with workflow orchestration - Airflow, Dagster, Prefect, or similar DAG-based schedulers.
• Strong AWS fundamentals - hands-on experience with S3, Lambda, Batch, IAM, and at least one managed database service.
• Infrastructure as Code experience with Terraform or CloudFormation.
• Docker containerization for reproducible builds and deployments.
• Git workflows and CI/CD - automated testing and deployment pipelines.

Awesome to have

• Experience with Amazon Redshift specifically (distribution keys, sort keys, Spectrum, Redshift Serverless).
• Exposure to PySpark / AWS Glue for large-scale ETL.
• Experience with event streaming platforms (Kafka, Avro, Schema Registry).
• Experience deploying or maintaining MLflow or similar ML platform infrastructure.
• Familiarity with templated SQL pipelines (Jinja2 or similar).
• Understanding of financial data domains - credit risk, provisioning, accounting, or regulatory reporting.
• Experience with AWS Batch for compute-heavy workloads.
• Knowledge of IFRS 9, ECL concepts, or credit loss modeling is a strong plus but not required.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Data Scientist - Product Data

Engineering · Stockholm · Full-time · kr 752,814 SEK - kr 843,151 SEK

OverviewApplication

Join us to solve hard problems using the full spectrum of modern AI. We are looking for a Data Scientist who can seamlessly switch between training deep neural networks from scratch and orchestrating complex, agentic LLM workflows. This role takes you beyond classical fintech, challenging you to apply advanced AI to product data and comparable shopping. It is a hands-on, technical position where theoretical depth meets engineering reality, and where you will build autonomous systems and custom models that drive real business value.

What You Will Do

• Build & Deploy Models: Own full design, training, and deployment of Neural Network  models using frameworks like TensorFlow or PyTorch to solve diverse business challenges.
• Develop Agentic Workflows: Architect and implement autonomous AI agents capable of reasoning, planning, and executing multi-step tasks to automate complex workflows.
• Leverage LLMs: Fine-tune and orchestrate Large Language Models for varied use cases, integrating them into robust applications.
• Bridge Theory & Practice: Apply a strong theoretical understanding of Machine Learning to practical problems, ensuring solutions are not just academically sound but robust, scalable, and valuable to the business.
• End-to-End Ownership: Take ownership of the full ML lifecycle, from data pipeline construction and feature engineering to model monitoring and continuous improvement in production.
• Collaborate & Innovate: Work closely with engineers and product teams to identify opportunities where advanced AI can drive significant impact, while staying ahead of the curve on SOTA research.

Who You Are

• Strong Technical Foundation: You have a solid grasp of computer science fundamentals and software engineering principles. You write clean, production-ready code (Python is a must).
• Deep Learning Expertise: You have hands-on experience building and training Deep Neural Networks and are proficient with deep learning frameworks such as TensorFlow, Keras, or PyTorch.
• LLM & Agentic Experience: You are familiar with the modern LLM stack (e.g., Hugging Face, OpenAI API) and have experimented with or built agentic systems (using tools like LangChain, AutoGen, or custom implementations).
• Pragmatic & Theoretical: You balance deep theoretical knowledge of how models work (mathematics, optimization, probability) with a pragmatic "get it done" attitude. You know when to use a simple regression and when to deploy a Transformer.
• Generalist Mindset: You are adaptable and eager to apply data science to various domains, rather than being niche-focused.
• Education: A degree in Computer Science, Mathematics, Physics, or a related quantitative field (or equivalent practical experience).

Awesome to have

• Experience deploying ML models on cloud infrastructure (AWS, GCP) using Docker and Kubernetes.
• Knowledge of MLOps best practices and tools.
• Experience with vector databases (Pinecone, Milvus, Weaviate) and RAG (Retrieval-Augmented Generation) architectures.
• Contributions to open-source AI/ML projects or a portfolio of personal projects demonstrating your ability to build complex systems.
• Familiarity with reinforcement learning or graph neural networks.

Please include CV in english!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Data Scientist - Credit Risk & Provisioning Models

Engineering · Stockholm · Full-time · kr 611,050 SEK - kr 843,151 SEK

OverviewApplication

What You'll Do

• Develop and maintain credit risk models for Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and lifetime Expected Credit Loss (ECL) across multiple regions and products.
• Train gradient boosting models(LightGBM, XGBoost) for credit risk prediction with rigorous calibration, backtesting, and out-of-time validation.
• Design and implement vectorized models for computing forward-looking lifetime ECL estimates, incorporating macroeconomic scenarios and discounting.
• Perform feature engineeringon credit datasets including payment behavior, delinquency patterns, bureau credit scores, and transactional features.
• Manage the full model lifecycle using MLflow for experiment tracking, model versioning, and registry, ensuring reproducibility and complete audit trails.
• Build and maintain model monitoring to track performance, stability, and drift across markets, producing dashboards and automated alerts.
• Develop macro-overlay modelsthat incorporate macroeconomic variables (unemployment, GDP, interest rates) into forward-looking credit loss projections.
• Support fair value estimation and coverage rate analysis for debt sale pricing and capital management decisions.
• Run end-of-month production scoring - loading trained models, scoring exposure data at scale on cloud compute, and validating ECL outputs.
• Maintain model documentation and support audit reviews, regulatory inquiries, and model validation exercises.
• Collaborate with Data Engineers to define feature requirements, validate pipeline outputs, and ensure model inputs are accurate and timely.
• Present results to senior stakeholders including Finance leadership, auditors, and regulatory reviewers.

Who you are
* 3+ years of experience in a Data Science, Quantitative Analyst, or Credit Risk Modeling role.
* Strong Python skills for modeling, analysis, and production code (pandas, NumPy, scikit-learn).
* Experience with gradient boosting frameworks- LightGBM, XGBoost, or CatBoost.
* Solid statistical foundations - probability theory, hypothesis testing, regression, time series, survival analysis, or transition matrices.
* SQL proficiency - complex analytical queries on a data warehouse for feature extraction, validation, and ad-hoc analysis.
* Model lifecycle experience - training, hyperparameter tuning, validation, deployment, and monitoring.
* Experience with experiment tracking tools such as MLflow, Weights & Biases, or similar.
* Strong communication skills - ability to explain model behavior, limitations, and results to non-technical stakeholders.

Awesome to have

• Credit risk modeling experience - PD, LGD, EAD, transition matrices, vintage analysis, or roll-rate models.
• IFRS 9 / CECL knowledge - staging criteria, lifetime vs. 12-month ECL, forward-looking adjustments, macroeconomic overlays.
• Familiarity with model interpretabilitytechniques (SHAP, feature importance, partial dependence plots).
• Experience with Bayesian optimization for hyperparameter tuning.
• Exposure to Numba or vectorized computation for high-performance model calculations.
• Familiarity with fair value or pricing models for consumer credit portfolios.
• Understanding of cloud infrastructure (AWS S3, Batch, Docker) for model deployment and scoring.
• Background in fintech, banking, or consumer lending.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior/Lead Data Scientist-Fraud

Data Science - Data Science · Milan · Full-time · €63,236 EUR - €90,429 EUR

OverviewApplication

What you will do

• Build and deploy ML models to protect Klarna’s customers from fraudulent activities (e.g. account takeover or identity theft fraud).
• Lead data science projects, from problem definition until deployment.
• Monitor, maintain, and retrain existing ML models in production.
• Explore, engineer, and test new potential features to help models in predicting fraud.
• Communicate with stakeholders on conceptual design, development, deployment, and risk control of the model, including writing documentation for external parties.
• Maintain the engineering platform/system used by the team to stay compliant with the company’s requirements.
• Proactive in exploring novel ML/AI products to detect fraud.

Who you are

• Have an advanced degree (Master or Doctorate) in a quantitative field (e.g. statistics, computer science, engineering, mathematics, physics, or related fields).
• 5+ years of experience as a Data Scientist, ML Engineer, or related roles in the financial sector.
• 2+ years of experience working in fraud-related problem space.
• Experience in handling large sizes of customer data (e.g. >100 millions transactions with a few hundreds features).
• Deep proficiency in ML end-to-end process: conceptual design, model development, deployment in production, and monitoring, including pitfalls and tradeoffs to make.
• Deep understanding of business value to deliver: know when an ML solution is needed and when the model is good enough to be deployed for production.
• Good understanding of what metrics to use for monitoring and when to retrain ML models.
• Strong Python and SQL skills, including familiarity with ML modeling packages (e.g. scikit-klean, LGBM) and CI/CD or deployment tools (e.g. Docker, Jenkins, and uv).
• Familiarity with Github and AWS Cloud Computing (Sagemaker, Lambda, S3, Athena, etc).
• Ability to communicate effectively with Analysts, Engineers, and non-technical roles.
• Strong ability to translate business problems into analytical/technical solutions.
• Willingness to collaborate across different locations and time-zones (US and EU), but you will be working at common office hours in your time-zone. Traveling for one or two weeks per year may be needed to meet in-person with other group members.
• Eager to take ownership of a project and deliver results with minimal supervision.
• Agile to adapt to new changes in technology or engineering platforms used by the company.

Awesome to have

• Experience working in payment-related business, e.g. BNPL, credit card, or P2P transfer.
• Technical experience on utilizing Gen AI, Graph Networks, Anomaly Detection, or Behavioral Biometrics into production (beyond just prompting, fine-tuning, or proto-typing solutions).
• Familiarity with AI productivity tools for coding, e.g. Cursor or Github co-pilot.
• Familiarity with compliance and regulation around personal data privacy and model bias.
• Experience in mentoring junior data scientists.
• Experience with inferring the outcome of rejected orders due to fraud suspicion or credit unworthiness.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Product Manager

Product Management - Product Management · Stockholm · Full-time · kr 831,010 SEK - kr 1,098,927 SEK

OverviewApplication

What you will do
Klarna strives to become the world’s favourite way to buy, and you can contribute to reaching this goal! We are looking to hire great people, who are passionate about using their talents to generate success. We are hiring Product Managers at various levels of seniority. During the recruitment process we will evaluate your seniority, your skills and ask about your interest to match you to a role that you will excel within.

As a product manager, you will guide the vision, strategy, and success metrics for your product while working in a cross-functional team that brings together engineering, design, analytics, and commercial expertise. You will translate customer insights, market understanding, and product performance data into clear priorities your team can execute on. You will ensure alignment with stakeholders, drive discovery and delivery activities, and keep a continuous focus on solving meaningful customer problems. This position requires balancing strategic thinking with hands-on execution as you move from concept to launch and ongoing iteration.

Who you are
• 5+ years of product management experience
• Skilled in defining product vision, strategy, and measurable outcomes
• Experienced in collaborating with cross-functional teams to drive product development
• Strong communication skills with the ability to simplify complex topics
• Comfortable prioritising in a fast-moving environment
• Knowledgeable in agile and lean development practices
• Working proficiency in verbal and written English

Awesome to have
• Experience with platform, payments, or regulated environments
• Familiarity with AI-enhanced product development tools
• Ability to engage in technical discussions with engineering partners
• Experience in designing or coding

Please include a CV in English

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Analyst - Credit Control & Analysis

Analytics - Analytics · Stockholm · Full-time · kr 662,476 SEK - kr 831,010 SEK

OverviewApplication

What you will do

As a Senior Analyst within Credit Control & Analysis, you will be responsible for credit risk monitoring and performance analysis across Klarna’s markets and products. You will review and interpret analytical dashboards covering cohort losses, delinquencies, roll rates, provisions, fraud and disputes, and balances to identify shifts in risk drivers and proactively raise insights to senior stakeholders, including CXO audiences. This position serves as a center of excellence for credit risk monitoring, driving actions across domains and ensuring strong collaboration between Finance, Product, Collections, Modelling, and Risk. You will execute and oversee key controls and reconciliations, support Net Loss reporting and book close processes, contribute to IFRS9 and Expected Credit Loss routines, and deliver high-quality regulatory and periodic reporting. In addition, you will lead investigations into anomalies, explain performance movements, maintain analytical infrastructure and automation pipelines, and continuously improve reporting frameworks to strengthen governance and decision-making.

Who you are

• University degree in a numerate field such as Mathematics, Statistics, Economics, Engineering, or similar
• Strong experience in credit risk analytics, financial services, or banking environments
• Solid understanding of credit loss metrics, delinquency trends, provisions, and IFRS9 or Expected Credit Loss frameworks
• Experience performing controls and reconciliations in financial or risk reporting environments
• Ability to translate complex analytical findings into clear insights for senior stakeholders
• Proficiency in data analysis and manipulation using SQL, Python, or similar tools
• Strong written and verbal communication skills in English

Awesome to have
• Experience supporting regulatory reporting such as FinRep or supervisory authority requests
• Experience working cross-functionally with Finance, Accounting, or Debt Collection teams
• Knowledge of consumer credit products and lifecycle dynamics
• Experience maintaining data pipelines or automated reporting infrastructure
• Experience preparing materials for credit committees or senior governance forum

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Financial Crime Compliance Specialist

Analytics · New York · Full-time · $120,450 USD - $151,093 USD

OverviewApplication

About the position

In this position, you will strengthen Klarna’s financial crime controls by providing independent, risk-based oversight of the Anti-Money Laundering framework within Second Line Compliance. You will apply sound regulatory judgement across key AML activities, including review and approval of Suspicious Activity Reports under MLRO delegation, while partnering closely with AML Operations, MLROs, and senior Compliance stakeholders. As Klarna evolves its AML operating model, you will initially contribute hands-on to critical regulatory activities and progressively shift towards analytical oversight of control design, effectiveness, and outcomes across products and markets. You will help ensure that AML risks are well understood, appropriately mitigated, and clearly evidenced to regulators.

What you will do

• Review and approve Suspicious Activity Reports (SARs) under MLRO delegation to ensure regulatory thresholds are met
• Review investigations and SAR narratives for quality, completeness, and defensibility
• Provide structured feedback to AML investigation teams on investigation quality and SAR narratives
• Identify complex or sensitive cases requiring escalation to MLROs
• Perform second-line oversight of AML controls, with a focus on Transaction Monitoring effectiveness
• Conduct thematic reviews across SAR outcomes, escalation decisions, and typologies
• Assess whether AML risks are adequately covered across products and customer segments
• Contribute to AML input for new products, material changes, and control enhancements
• Analyse AML metrics and trends to identify control gaps, emerging risks, or degradation
• Support governance, documentation, and clear separation of responsibilities across AML teams

Who you are

• Support governance, documentation, and clear separation of responsibilities across AML teams
• Experience in AML, financial crime, or compliance within a regulated financial institution, such as a bank, fintech, payments company, or equivalent
• Strong hands-on experience with SAR processes, including drafting, review, approval support, or filing, and understanding of applicable regulatory thresholds
• Demonstrated understanding of AML risk typologies, escalation criteria, and how regulatory expectations are applied in practice
• Proven ability to apply independent judgement in complex, sensitive, or ambiguous cases
• Experience reviewing the quality, completeness, and defensibility of investigations and regulatory narratives
• Excellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanations

Awesome to have

• Excellent written communication skills, particularly in producing or reviewing clear, structured SAR narratives and regulatory explanations
• Experience working in, or closely with, a second line of defence, compliance oversight, quality assurance, or risk function
• Exposure to transaction monitoring frameworks, scenario-based monitoring, or assessment of transaction monitoring effectiveness
• Experience supporting MLROs, acting under MLRO delegation, or preparing materials for MLRO decision-making and escalation
• Experience performing thematic reviews, trend analysis, or control effectiveness assessments
  • Familiarity with EU and US AML regulatory frameworks and supervisory expectations, including FIU processes and relevant regulatory guidelines
• Experience contributing to new product risk assessments, regulatory change implementation, or control enhancements

Please include a CV in English

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Klarna is proud to be an equal opportunity employer. We are committed to building a diverse workforce that reflects our global customer base and to fostering a culture where everyone belongs. We provide equal employment opportunities to all individuals regardless of race, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, veteran status, marital status, pregnancy, parental status, or any other characteristic protected by applicable law. We encourage applications from individuals of all backgrounds and identities. We consider qualified applicants with criminal history for employment in accordance with state and local laws and “fair chance” ordinances. If you require reasonable accommodation for any part of the application or hiring process, please contact [email protected].

In accordance with applicable law, the salary range for this role is provided in the job posting. The salary offered will be determined by the candidate's location, qualifications, experience, and education. The salary range posted in the job advertisement refers to the base pay. Base pay is part of a total compensation package, which may also include equity rewards, monthly stipends for health and wellness, and benefits such as life insurance, medical, dental, and vision coverage for you and your dependents.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Analyst/Manager - Financial Risk

Analytics - Analytics · London, Stockholm · Full-time · £68,807 GBP - £98,395 GBP

OverviewApplication

What you will doIn this position, you will dynamically move across Klarna’s financial risk landscape, analyzing and independently monitoring credit risk, liquidity risk, and market risk across our global portfolio, identifying emerging risk trends. You will work cross functionally with teams across Klarna to improve risk management processes and ensure Klarna’s operates within its risk appetite.

• Analyze consumer credit risk trends across global portfolios, getting into the details and reviewing individual credit decisions to generate actionable insights on underwriting strategies
• Use SQL and Python to independently review the implementation of Klarna’s credit risk management strategies, such as automated decisioning rules, credit monitoring data models, and loan servicing logic
• Improve and automate recurring independent financial risk monitoring
• Collaborate with other Klarna risk professionals and business units on targeted deep dives into risk management processes used for managing Klarna’s counterparty risks, FX risk, interest rate risk, and liquidity risks
• Translate complex data into actionable improvements balancing growth and risk

Who you are

• Bachelor’s degree in Finance, Accounting, Economics, Data Science, Mathematics, or a related field
• 2–3+ years of experience in risk management, credit risk, treasury, or a consulting/audit environment within financial services
• Foundational understanding of how financial risks arise within financial institutions and the core strategies used to manage them
• Proficient in SQL and comfortable navigating large datasets
• Effective verbal and written communicator
• Highly driven and curious, comfortable operating in a fast-paced environment, eager to collaborate across teams, and able to think creatively and pragmatically about complex problems and solutions

Please include a CV in English

Curious to learn more about Klarna and what it’s like to work here? Explore ourcareer site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Analytics Manager - Operational Risk

Analytics · London · Full-time · £86,312 GBP - £98,395 GBP

OverviewApplication

What you will doIn this position, you will strengthen Klarna’s Operational Risk team by leading data-driven fraud risk management across our global product portfolio. The role involves conducting in-depth analysis of structured and unstructured data to monitor fraud risk performance, identify emerging trends, and deliver actionable insights.

It also includes performing independent control testing and process reviews to assess the adequacy and effectiveness of fraud prevention and detection measures in the first line of defense. Additional responsibilities include independent consumer sample testing, analysing structured and unstructured data, and evaluating policies, rules, and logic to detect emerging fraud patterns, and collaborating closely with teams across fraud strategy, engineering, data science, and customer service to enhance controls and support regulatory reporting. The role also partners with first line of defense stakeholders, contributes to continuous improvements in the fraud risk framework, and ensures Klarna stays ahead of evolving market trends and external fraud vectors.

Who you are • Minimum 5 years of experience in fintech, banking, or consulting with a focus on fraud and risk management
• Proven experience performing independent data analysis and leading fraud risk initiatives
• Strong expertise in fraud risk management, data analysis, and interpretation of complex datasets
• Experience conducting independent control testing and process reviews
• Proficiency in regulatory compliance and preparation of risk reporting
• Excellent communication and stakeholder management skills
• Bachelor’s degree in Finance, Risk Management, Data Science, or a related field

Awesome to have • Certified Fraud Examiner (CFE), CRCMP, or similar professional certifications
• Experience working with machine learning models or fraud detection algorithms
• Background in consumer lending or card fraud risk management
• Ability to develop solutions to complex problems while navigating business constraints
• Experience working in rapidly changing fraud environments or high-growth financial technology settings

Please include a CV in English

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Analytics Manager - Operational Risk

Analytics - Analytics · Stockholm · Full-time

OverviewApplication

What you will doIn this position, you will strengthen Klarna’s Operational Risk team by leading data-driven fraud risk management across our global product portfolio. The role involves conducting in-depth analysis of structured and unstructured data to monitor fraud risk performance, identify emerging trends, and deliver actionable insights.

It also includes performing independent control testing and process reviews to assess the adequacy and effectiveness of fraud prevention and detection measures in the first line of defense. Additional responsibilities include independent consumer sample testing, analysing structured and unstructured data, and evaluating policies, rules, and logic to detect emerging fraud patterns, and collaborating closely with teams across fraud strategy, engineering, data science, and customer service to enhance controls and support regulatory reporting. The role also partners with first line of defense stakeholders, contributes to continuous improvements in the fraud risk framework, and ensures Klarna stays ahead of evolving market trends and external fraud vectors.

Who you are • Minimum 5 years of experience in fintech, banking, or consulting with a focus on fraud and risk management
• Proven experience performing independent data analysis and leading fraud risk initiatives
• Strong expertise in fraud risk management, data analysis, and interpretation of complex datasets
• Experience conducting independent control testing and process reviews
• Proficiency in regulatory compliance and preparation of risk reporting
• Excellent communication and stakeholder management skills
• Bachelor’s degree in Finance, Risk Management, Data Science, or a related field

Awesome to have • Certified Fraud Examiner (CFE), CRCMP, or similar professional certifications
• Experience working with machine learning models or fraud detection algorithms
• Background in consumer lending or card fraud risk management
• Ability to develop solutions to complex problems while navigating business constraints
• Experience working in rapidly changing fraud environments or high-growth financial technology settings

Please include a CV in English

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Offensive Security Engineer - Red Team

Engineering - Engineering · Milan · Full-time · €63,236 EUR - €79,324 EUR

OverviewApplication

What you will do

The Red Team operator will perform dedicated Red Team activities simulating known threat actors, to help strengthen Klarna's overall security posture and determine the impact and likelihood of threat actors to accomplish objectives across the Kill Chain and MITRE ATT&CK Framework.

In this role, you’ll emulate both internal and external threat actors to uncover weaknesses across our most critical products and infrastructure. Everything from designing real-world attack scenarios to conducting deep technical assessments.

• Break into (and out of) all the things.
• Conduct red team assessments against internal, public-facing, and cloud assets.
• Perform Initial access campaigns such as Phishing and other Social Engineering activities.
• Move laterally between endpoints, cloud, IoT, and whatever else stands between you and the engagement goal.
• Develop offensive security tools for internal and public use.
• Provide expert guidance to developers, other security teams, and the SOC in investigating issues.
• pread awareness of offensive security practices via demos, workshops, and training.

Who you are

• Strong experience red teaming and performing other technical security assessments, with and without automated tools.
• Strong Opsec focus.
• Strong experience of testing Cloud Native environments and CI/CD pipelines using a mix of macOS, Linux, and Windows endpoints.
• Comfortable communicating findings clearly and effectively to both technical and nontechnical audiences, with concrete remediation recommendations beyond simple issue reporting.
• Experience with programming and contributing to large and small projects in C, Go, Perl, or whatever other language is best suited to the task.

Awesome to have

• Industry recognized certifications
• A degree in Computer Science or Computer Engineering
• Contributions to the larger cybersecurity community

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Fullstack Engineer - Javascript

Engineering - Engineering · Milan · Full-time · €63,236 EUR - €70,824 EUR

OverviewApplication

What you will do

• Tackle specific problem spaces critical to Klarna’s current needs, with ample growth opportunities in a fast-paced business environment.

• Bring innovative ideas from diverse areas, including information retrieval, large-scale system design, data storage/processing, security, artificial intelligence, UI design, and mobile development.

• Develop your professional skills in an entrepreneurial organization that encourages working with your areas of interest.

• Use state-of-the-art technology to solve real problems for our customers at a massive scale.

• Design, develop, test, deploy, maintain, and improve software; take full responsibility for the lifecycle of your code.

• Share your knowledge and help the team evolve best practices; act as both a mentor and mentee.

• Work in small, autonomous teams with short release cycles.

• Contribute to open-source projects: Klarna GitHub.

Who you are

• Proficient in TypeScript and Node.js.

• Experienced with common JavaScript libraries and frameworks.

• Skilled in React and React Native.

• Knowledgeable in product development, cloud technologies, and microservices.

• Passionate about writing clean and testable code.

• Familiar with Agile practices, including Pairing, TDD, BDD, Continuous Integration, and Continuous Delivery.

Awesome to have

• Experience with JavaScript / TypeScript.

• Familiarity with React + React Native with Redux.

• Experience with Node.js and Express.js.

• Knowledge of REST API and GraphQL API.

• Familiarity with Kafka, internal design systems, AWS, Splunk, Datadog, Jenkins, and Docker.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Data Scientist - Credit

Engineering · London · Full-time · £78,293 GBP - £87,688 GBP

OverviewApplication

What you will do
As a Lead Data Scientist within credit risk modeling, you will shape Klarna’s next-generation consumer-level credit scoring and portfolio valuation models. You’ll design and maintain real-time PD (Probability of Default) models using statistical and ML approaches, integrating them into frameworks for underwriting and economic return optimization.

You’ll develop calibration frameworks, ensure compliance with regulatory and fairness standards, and explore novel methodologies—including LLMs for explainability and feature engineering. Collaborating with cross-functional teams, you’ll translate modeling insights into strategic credit policies and business value, while mentoring junior team members and contributing to Klarna’s long-term modeling vision.

Who you are

• 5+ years’ experience in credit risk modeling for consumer lending, credit cards, or BNPL.

• Deep proficiency in PD model development and validation, with strong knowledge of calibration techniques.

• Advanced Python and SQL skills; familiar with XGBoost, scikit-learn, pandas, MLFlow.

• Experience with explainability frameworks such as SHAP, LIME, PDP.

• Ability to communicate technical concepts clearly and influence cross-functional decisions.

• Familiarity with real-time modeling and current trends in ML and credit analytics.

Awesome to have

• Hands-on experience using LLMs to extract features from unstructured data (e.g., customer communications, credit applications).

• Knowledge of integrating third-party credit bureau data into production models.

• Understanding of champion/challenger model frameworks and A/B testing infrastructure.

• Exposure to loan-level economic modeling, including cost-of-capital and loss metrics.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Lead Data Engineer

Engineering · Stockholm, Milan · Full-time · kr 944,814 SEK - kr 1,076,536 SEK

OverviewApplication

What you will do

• Build and operate Klarna's analytical data processing platforms on AWS, supporting large-scale batch and analytical workloads.
• Design robust data pipelines, table structures, and access patterns enabling efficient analytics, model training, and downstream consumption.
• Continuously evolve platform architecture, infrastructure, and AWS account foundations to support long-term scale, cost efficiency, security, and reliability.
• Lead the design and implementation of core data processing systems using technologies such as AWS Glue, Spark, S3, Iceberg, Databricks, and Redshift.
• Set a high bar for code quality, maintainability, and operational excellence, acting as a role model for best practices in the domain.
• Drive architectural decisions with a holistic view of Klarna's data landscape, downstream consumers, and cross-team dependencies.
• Design and evolve IAM models, roles, and access patterns to enable secure and scalable use of data platforms across teams and accounts.
• Identify and solve complex problems related to performance, scalability, cost, security, and compliance.
• Act as a technical leader in cross-team initiatives, facilitating discussions, aligning stakeholders, and delivering production-ready solutions.

Who you are

• Strong experience building analytical data platforms on AWS, including Spark-based processing and S3-backed data lakes.
• Solid hands-on skills with Python, distributed data processing, and infrastructure-as-code (Terraform).
• Experience working with modern table formats (e.g. Iceberg) and data warehouses (e.g. Redshift).
• Experience designing and operating IAM and AWS account setups for data platforms, balancing security with developer usability.
• A product-oriented mindset, focused on building durable, scalable solutions rather than one-off pipelines.
• Experience operating systems in production and improving them through monitoring, incident learnings, and iteration.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Data Engineer

Engineering · Milan, Stockholm · Full-time · €63,236 EUR - €70,825 EUR

OverviewApplication

What you will do

• Own and evolve data pipelines that power Klarna’s externally-facing dashboards used by hundreds of thousands of merchants worldwide.
• Participate inall Partner Reporting initiatives, optimizing data flows to improve scalability, reliability, and standardization across markets and merchant segments.
• Build and maintain ETL / ELT pipelinesthat transform raw Klarna event and transaction data into merchant-ready KPIs such as funnel metrics, and customer insights.
• Automate and simplify complex reporting, replacing manual or semi-automated workflows with robust, production-grade data products.
• Collaborate closely with Data Modeling, Product Analytics, and Product Engineering teams to streamline pipelines, remove unnecessary transformation layers, and improve end-to-end data efficiency.
• Apply strong SQL-based analysis and feature engineering to ensure metrics are correct, explainable, and trusted — internally and externally.
• Help shape the foundation of a merchant analytics platform that goes beyond reporting: uncovering consumer trends, identifying high-intent shoppers, measuring campaign effectiveness, and enabling data-driven recommendations for partners.

Tech Stack

• Python (must-have)
• SQL (must-have; complex analytical queries at scale)
• REACT (nice-to-have; basic front-end development
• Airflow (or equivalent orchestration tools)
• Batch and ELT-style pipeline patterns
• Experience with workflow schedulers, jobs, and dependency management
• AWS (S3, Redshift, IAM, etc.)
• Redshift (or similar analytical data warehouses)
• Jenkins for CI/CD and pipeline automation
• Git-based workflows and production deployment best practices

Who you are

• Proven experience as aData Engineerbuilding and operating production-grade data pipelines.
• Strong ownership mindset over mission-critical data products, primarily batch-based, with an appreciation for scalability and reliability.
• Deep comfort with data modeling, schema evolution, metric definitions, and data quality in analytical environments.
• Hands-on experience optimizing SQL-heavy pipelines and reducing unnecessary transformation layers.
• Ability to collaborate effectively with analytics, product, and engineering stakeholders — translating business needs into durable technical solutions.
• Prior experience in fintech, payments, or regulated environments is a strong plus, but not required.
• Excellent analytical thinking, problem-solving skills, and the ability to communicate complex data concepts clearly.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Data Scientist - Fraud Model Validation

Engineering · Stockholm, Milan · Full-time · kr 752,814 SEK - kr 1,076,536 SEK

OverviewApplication

What you will do

• Perform independent end-to-end validation of fraud detection ML models, including conceptual soundness, data integrity, feature engineering, model development, deployment design, and monitoring frameworks. Develop challenger models.
• Review and challenge first-line fraud model methodologies, assumptions, and implementation choices (e.g., scikit-learn, LightGBM, graph models, anomaly detection techniques, GenAI components).
• Build and deploy agentic AI tools to support model validation workflows — automating review of model documentation and code, surfacing risks and inconsistencies.
• Assess model performance using appropriate fraud metrics (e.g., precision/recall, ROC-AUC, PR-AUC, cost-sensitive metrics, fraud rate capture, business impact trade-offs).
• Evaluate model stability, drift detection, retraining strategies, and production monitoring practices.
• Independently replicate model results where necessary and conduct challenger analyses to assess model robustness and limitations.
• Review large-scale transaction datasets and feature pipelines (e.g., >100M transactions, hundreds of features) to assess data representativeness, leakage risks, and bias.
• Evaluate model governance documentation, explainability approaches, and transparency — including regulatory compliance related to model risk, fairness, and data privacy.
• Validate new technologies applied in fraud detection, such as Graph Networks, Behavioral Biometrics, Anomaly Detection, and GenAI-based systems.
• Assess controls around CI/CD pipelines, deployment processes (e.g., Docker, Jenkins), and cloud environments (e.g., AWS SageMaker, S3, Athena, Lambda).
• Develop and maintain validation frameworks, testing standards, and model performance monitoring tools (e.g., SQL, PySpark, Python-based validation libraries).
• Collaborate closely with first-line fraud data scientists, ML engineers, product, and business stakeholders to ensure transparent communication of model risks and validation findings.
• Provide actionable recommendations and formally document validation outcomes in line with internal model governance standards and external regulatory expectations.
• Stay up to date with evolving fraud typologies, emerging ML/AI techniques, and regulatory developments in model risk management.

Who you are
* Advanced degree (Master’s or PhD) in a quantitative field such as Data Science, Statistics, Mathematics, Computer Science, Physics, or Engineering.
* 3+ years of hands-on experience in fraud-related modeling (e.g., transaction fraud, account takeover, identity fraud, payments fraud etc).
* Strong expertise in machine learning methods used in fraud detection, including tree-based models (e.g., LightGBM), anomaly detection, graph/network models, and advanced ML techniques.
* Deep understanding of the end-to-end ML lifecycle — from conceptual design and feature engineering to production deployment and monitoring — with the ability to critically challenge each stage.
* Strong programming skills in Python and SQL; experience with PySpark/Spark and large-scale data processing.
* Experience building agentic AI workflows.
* Familiarity with cloud-based ML platforms (e.g., AWS SageMaker, Lambda, S3, Athena) and production deployment workflows.
* Strong knowledge of model validation principles, model risk governance frameworks, and regulatory expectations.
* Experience assessing model bias, fairness, explainability, and privacy risks.
* Excellent analytical thinking and structured problem-solving skills, with the ability to assess complex models and clearly articulate risks and limitations.
* Strong communication skills, capable of translating technical findings into clear, actionable insights for senior stakeholders and non-technical audiences.
* Ability to work independently while constructively challenging first-line teams in a collaborative manner.

Awesome to have
* Experience in BNPL, credit cards, payments, or other transaction-heavy financial products.
* Experience validating models in highly regulated environments.
* Experience mentoring junior validators or leading validation reviews.
* Exposure to inference of rejected transactions and understanding of fraud/credit overlap.
* Familiarity with AI governance frameworks and emerging AI regulatory requirements.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Python AI Engineer

Engineering · Stockholm · Full-time · kr 752,814 SEK - kr 843,141 SEK

OverviewApplication

What you’ll do

• Build AI-powered automation solutions: RFP generation, contract analysis, lead routing, supplier duplication checks, data extraction systems
• Own projects end-to-end in time-boxed phases: scoping (1-2 weeks) → building → deploying → monitoring
• Drive cross-functional collaboration with product, sales, legal, and ops teams to deliver business impact
• Present technical work and tradeoffs to senior leadership (CCO, GtM executives)
• Support and maintain what you build – no throwing projects over the wall
• Work publicly in Slack channels with radical transparency (all work visible to the team)

Who you are

• AI-First Engineer: Heavy hands-on experience with OpenAI/Anthropic APIs, prompt engineering, and AI-assisted coding tools (Claude, ChatGPT,
• Tech Stack Flexible: Comfortable working across Python, JavaScript, APIs, databases – you adapt to the problem, not the other way around
• Business-Oriented: You translate stakeholder needs into technical solutions and care about why we're solving a problem, not just how
• Iterative Shipper: You build MVPs in 1-2 week cycles, gather feedback, and iterate quickly
• Change Resilient: You thrive when priorities shift, requirements evolve, and ambiguity is the norm
• Self-Driven: You proactively unblock yourself, drive projects forward, and communicate openly in public channels

Awesome to have

• Experience with FastAPI, RAG architectures, or vector databases
• Background working with cross-functional stakeholders in sales, legal, or commercial operations
• Track record of maintaining production systems while building new features
• Comfort working in highly transparent, documentation-heavy environments
• Experience killing or rescoping projects that aren't delivering value

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Security Operations Engineer

Engineering · Stockholm · Full-time · kr 78,694 SEK - kr 89,711 SEK

OverviewApplication

What you’ll do

• Monitor security and threat alerts across security tools, fraud, and intelligence platforms to detect suspicious activity and security incidents.
• Investigate alerts related to account compromise, abuse, and potential fraud, performing triage, root-cause analysis, and escalation.
• Track external threats such as leaked credentials, exposed data, and emerging attack patterns via dark web and threat intelligence sources.
• Support and execute incident response activities, including coordination with fraud, risk, product, and engineering teams.
• Maintain and improve detection rules, alerting logic, and investigation playbooks across security and fraud use cases.
• Document incidents, findings, and lessons learned to continuously improve SecOps maturity.
• Contribute to trend analysis and reporting to proactively reduce security and fraud risk.

Who you are

• Experience in Security Operations, SOC, incident response, or threat monitoring roles.
• Hands-on experience with SIEM, alerting, and investigation workflows.
• Strong analytical and investigative skills with the ability to prioritize and act under pressure.
• Familiarity with threat intelligence and dark web monitoring tools or feeds.
• Clear communication skills and experience working with cross-functional stakeholders.

Nice to have

• Experience in fraud monitoring, payments risk, or financial crime.
• Understanding of fraud patterns, account abuse, and social engineering tactics.
• Experience working in fintech, e-commerce, or high-volume transaction environments.

Closing
Please include a CV in English.
Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Python AI Engineer

Engineering · Milan · Full-time · €63,236 EUR - €70,825 EUR

OverviewApplication

What you’ll do

• Build AI-powered automation solutions: RFP generation, contract analysis, lead routing, supplier duplication checks, data extraction systems
• Own projects end-to-end in time-boxed phases: scoping (1-2 weeks) → building → deploying → monitoring
• Drive cross-functional collaboration with product, sales, legal, and ops teams to deliver business impact
• Present technical work and tradeoffs to senior leadership (CCO, GtM executives)
• Support and maintain what you build – no throwing projects over the wall
• Work publicly in Slack channels with radical transparency (all work visible to the team)

Who you are

• AI-First Engineer: Heavy hands-on experience with OpenAI/Anthropic APIs, prompt engineering, and AI-assisted coding tools (Claude, ChatGPT,
• Tech Stack Flexible: Comfortable working across Python, JavaScript, APIs, databases – you adapt to the problem, not the other way around
• Business-Oriented: You translate stakeholder needs into technical solutions and care about why we're solving a problem, not just how
• Iterative Shipper: You build MVPs in 1-2 week cycles, gather feedback, and iterate quickly
• Change Resilient: You thrive when priorities shift, requirements evolve, and ambiguity is the norm
• Self-Driven: You proactively unblock yourself, drive projects forward, and communicate openly in public channels

Awesome to have

• Experience with FastAPI, RAG architectures, or vector databases
• Background working with cross-functional stakeholders in sales, legal, or commercial operations
• Track record of maintaining production systems while building new features
• Comfort working in highly transparent, documentation-heavy environments
• Experience killing or rescoping projects that aren't delivering value

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Credit Data Engineer

Engineering - Engineering · Milan · Full-time · €63,236 EUR - €70,825 EUR

OverviewApplication

What you’ll do

• Own 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.

Tech stack (what we use)

• Languages: SQL, PySpark, Python
• Frameworks: Apache Airflow, AWS Glue, Kafka, Redshift
• Cloud & DevOps: AWS (S3, Lambda, CloudWatch, SNS/SQS, Kinesis), Terraform; Git; CI/CD

What you’ll bring

• Proven ownership of mission-critical data products (batch + streaming).
• Data modeling, schema evolution, data contracts, and strong observability chops.
• Familiarity with AI/agent patterns (agent-friendly schemas/endpoints, embeddings/vector search).

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Data Engineer

Engineering - Engineering · Stockholm · Full-time · kr 752,814 SEK - kr 843,151 SEK

OverviewApplication

What you will do

• Own and evolve data pipelines that power Klarna’s externally-facing dashboards used by hundreds of thousands of merchants worldwide.
• Participate inall Partner Reporting initiatives, optimizing data flows to improve scalability, reliability, and standardization across markets and merchant segments.
• Build and maintain ETL / ELT pipelinesthat transform raw Klarna event and transaction data into merchant-ready KPIs such as funnel metrics, and customer insights.
• Automate and simplify complex reporting, replacing manual or semi-automated workflows with robust, production-grade data products.
• Collaborate closely with Data Modeling, Product Analytics, and Product Engineering teams to streamline pipelines, remove unnecessary transformation layers, and improve end-to-end data efficiency.
• Apply strong SQL-based analysis and feature engineering to ensure metrics are correct, explainable, and trusted — internally and externally.
• Help shape the foundation of a merchant analytics platform that goes beyond reporting: uncovering consumer trends, identifying high-intent shoppers, measuring campaign effectiveness, and enabling data-driven recommendations for partners.

Tech Stack

• Python (must-have)
• SQL (must-have; complex analytical queries at scale)
• REACT (nice-to-have; basic front-end development
• Airflow (or equivalent orchestration tools)
• Batch and ELT-style pipeline patterns
• Experience with workflow schedulers, jobs, and dependency management
• AWS (S3, Redshift, IAM, etc.)
• Redshift (or similar analytical data warehouses)
• Jenkins for CI/CD and pipeline automation
• Git-based workflows and production deployment best practices

Who you are

• Proven experience as aData Engineerbuilding and operating production-grade data pipelines.
• Strong ownership mindset over mission-critical data products, primarily batch-based, with an appreciation for scalability and reliability.
• Deep comfort with data modeling, schema evolution, metric definitions, and data quality in analytical environments.
• Hands-on experience optimizing SQL-heavy pipelines and reducing unnecessary transformation layers.
• Ability to collaborate effectively with analytics, product, and engineering stakeholders — translating business needs into durable technical solutions.
• Prior experience in fintech, payments, or regulated environments is a strong plus, but not required.
• Excellent analytical thinking, problem-solving skills, and the ability to communicate complex data concepts clearly.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Principal Engineer

Engineering - Engineering · Milan · Full-time · €90,429 EUR - €125,877 EUR

OverviewApplication

What You Will Do

You will drive Klarna’s technical direction within and across Klarnas domains - ensuring that our systems are scalable, resilient, and architected for long-term growth. You’ll shape architectural strategy, connect cross-functional initiatives, and elevate Klarna’s engineering standards across the organization.

Lead cross-domain engineering strategy and execution - translating Klarna’s vision into scalable, secure, and efficient architectures that serve multiple business areas, while fostering technical alignment across teams and competences.

Architect and evolve Klarna’s technical foundations by simplifying systems, reducing duplication, and driving consistency in data models, APIs, and integration patterns that power global customer and merchant experiences.

Set and uphold Klarna-wide technical standards for code quality, observability, reliability, and data management - ensuring operational excellence and enabling teams to deliver confidently at scale.

Partner with Product, Data Science, and Design leaders to align technical investments with business outcomes, balancing long-term architectural evolution with short-term delivery priorities.

Mentor and grow Klarna’s senior technical community, guiding Lead and Principal Engineers in decision-making, design reviews, and career development, while nurturing a culture of technical curiosity and shared accountability.

Drive innovation and continuous improvement by exploring emerging technologies, improving developer experience, and enabling Klarna’s platforms to adapt to future opportunities and challenges.

Who You Are

A recognized technical leader with deep experience delivering and scaling distributed systems across multiple business or product domains.

Strategic in thinking yet pragmatic in execution — able to balance innovation, speed, and stability across complex organizations.

Skilled in system architecture, data integration, and building reliable, observable systems that enable high-velocity teams.

Adept at influencing across teams and functions, aligning diverse stakeholders behind clear technical direction.

A committed mentor who builds inclusive, empowered teams and fosters technical growth across the organization.

Curious, reflective, and driven by continuous improvement - both personal and organizational.

Awesome to Have

Experience leading cross-functional initiatives in payments, e-commerce, or large-scale technology platforms.

Expertise in distributed architecture, event-driven systems, and cloud-native technologies (AWS, Kubernetes, Kafka).

Proven success improving observability, reliability, or developer productivity at company scale.

A track record of translating technical strategy into measurable business impact across domains.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Fullstack Engineer - Javascript

Engineering - Engineering · Stockholm · Full-time · kr 752,814 SEK - kr 843,151 SEK

OverviewApplication

What you will do

• Tackle specific problem spaces critical to Klarna’s current needs, with ample growth opportunities in a fast-paced business environment.

• Bring innovative ideas from diverse areas, including information retrieval, large-scale system design, data storage/processing, security, artificial intelligence, UI design, and mobile development.

• Develop your professional skills in an entrepreneurial organization that encourages working with your areas of interest.

• Use state-of-the-art technology to solve real problems for our customers at a massive scale.

• Design, develop, test, deploy, maintain, and improve software; take full responsibility for the lifecycle of your code.

• Share your knowledge and help the team evolve best practices; act as both a mentor and mentee.

• Work in small, autonomous teams with short release cycles.

• Contribute to open-source projects: Klarna GitHub.

Who you are

• Proficient in TypeScript and Node.js.

• Experienced with common JavaScript libraries and frameworks.

• Skilled in React and React Native.

• Knowledgeable in product development, cloud technologies, and microservices.

• Passionate about writing clean and testable code.

• Familiar with Agile practices, including Pairing, TDD, BDD, Continuous Integration, and Continuous Delivery.

Awesome to have

• Experience with JavaScript / TypeScript.

• Familiarity with React + React Native with Redux.

• Experience with Node.js and Express.js.

• Knowledge of REST API and GraphQL API.

• Familiarity with Kafka, internal design systems, AWS, Splunk, Datadog, Jenkins, and Docker.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior/Lead Data Scientist

Engineering - Engineering · Stockholm, Milan, London · Full-time · kr 752,814 SEK - kr 1,076,536 SEK

OverviewApplication

What you will do

As a Lead Data Scientist within credit risk modeling, you will shape Klarna’s next-generation consumer-level credit scoring and portfolio valuation models. You’ll design and maintain real-time PD (Probability of Default) models using statistical and ML approaches, integrating them into frameworks for underwriting and economic return optimization.

You’ll develop calibration frameworks, ensure compliance with regulatory and fairness standards, and explore novel methodologies—including LLMs for explainability and feature engineering. Collaborating with cross-functional teams, you’ll translate modeling insights into strategic credit policies and business value, while mentoring junior team members and contributing to Klarna’s long-term modeling vision.

Who you are

• 5+ years’ experience in credit risk modeling for consumer lending, credit cards, or BNPL.

• Deep proficiency in PD model development and validation, with strong knowledge of calibration techniques.

• Advanced Python and SQL skills; familiar with XGBoost, scikit-learn, pandas, MLFlow.

• Experience with explainability frameworks such as SHAP, LIME, PDP.

• Ability to communicate technical concepts clearly and influence cross-functional decisions.

• Familiarity with real-time modeling and current trends in ML and credit analytics.

Awesome to have

• Hands-on experience using LLMs to extract features from unstructured data (e.g., customer communications, credit applications).

• Knowledge of integrating third-party credit bureau data into production models.

• Understanding of champion/challenger model frameworks and A/B testing infrastructure.

• Exposure to loan-level economic modeling, including cost-of-capital and loss metrics.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Principal Engineer

Engineering - Engineering · Stockholm · Full-time · kr 1,076,536 SEK - kr 1,498,537 SEK

OverviewApplication

What You Will Do

You will drive Klarna’s technical direction within and across Klarnas domains - ensuring that our systems are scalable, resilient, and architected for long-term growth. You’ll shape architectural strategy, connect cross-functional initiatives, and elevate Klarna’s engineering standards across the organization.

Lead cross-domain engineering strategy and execution - translating Klarna’s vision into scalable, secure, and efficient architectures that serve multiple business areas, while fostering technical alignment across teams and competences.

Architect and evolve Klarna’s technical foundations by simplifying systems, reducing duplication, and driving consistency in data models, APIs, and integration patterns that power global customer and merchant experiences.

Set and uphold Klarna-wide technical standards for code quality, observability, reliability, and data management - ensuring operational excellence and enabling teams to deliver confidently at scale.

Partner with Product, Data Science, and Design leaders to align technical investments with business outcomes, balancing long-term architectural evolution with short-term delivery priorities.

Mentor and grow Klarna’s senior technical community, guiding Lead and Principal Engineers in decision-making, design reviews, and career development, while nurturing a culture of technical curiosity and shared accountability.

Drive innovation and continuous improvement by exploring emerging technologies, improving developer experience, and enabling Klarna’s platforms to adapt to future opportunities and challenges.

Who You Are

A recognized technical leader with deep experience delivering and scaling distributed systems across multiple business or product domains.

Strategic in thinking yet pragmatic in execution — able to balance innovation, speed, and stability across complex organizations.

Skilled in system architecture, data integration, and building reliable, observable systems that enable high-velocity teams.

Adept at influencing across teams and functions, aligning diverse stakeholders behind clear technical direction.

A committed mentor who builds inclusive, empowered teams and fosters technical growth across the organization.

Curious, reflective, and driven by continuous improvement - both personal and organizational.

Awesome to Have

Experience leading cross-functional initiatives in payments, e-commerce, or large-scale technology platforms.

Expertise in distributed architecture, event-driven systems, and cloud-native technologies (AWS, Kubernetes, Kafka).

Proven success improving observability, reliability, or developer productivity at company scale.

A track record of translating technical strategy into measurable business impact across domains.

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Lead Engineer - Java

Engineering - Engineering · Milan · Full-time · €79,324 EUR - €90,429 EUR

OverviewApplication

What you will do

• Work on specific problem spaces critical to Klarna's needs, with opportunities to switch teams as both you and our fast-paced business evolve.

• Lead the design, development, and maintenance of Java-based backend services, ensuring high performance, reliability, and scalability.

• Utilize cloud technologies, primarily AWS, to develop and deploy services.

• Engage in the full project lifecycle—from conception to deployment and beyond—ensuring projects are delivered on time and to specifications.

• Collaborate with cross-functional teams across Klarna to align on integration strategies and optimize system architecture.

• Drive an engineering culture within the team, emphasizing innovation, quality, and continuous improvement.

• Proactively identify and mitigate potential issues in our distributed and financial systems.

• Work in small autonomous teams with short release cycles.

Who you are

• Proficient in Java and Spring Boot, with hands-on experience in backend development.

• Experienced in PostgreSQL and architecting and building robust systems.

• Skilled with cloud technologies, especially AWS.

• Adept in distributed and financial systems, capable of anticipating and mitigating issues preemptively.

• Independent, able to manage projects end-to-end and lead people effectively.

• A strong communicator, capable of interfacing with other teams and domains.

• Previously led a team, with a track record of building positive engineering cultures.

• Working proficiency and communication skills in verbal and written English.

Awesome to have

• Knowledgeable in JavaScript and Node.js.

• Experience leading a diverse team of engineers across multiple locations.

• A visionary approach to anticipating the future needs of the team and the position.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Principal Engineer -Public Edge Infrastructure

Engineering - Engineering · Stockholm, Milan · Full-time · kr 1,076,536 SEK - kr 1,248,781 SEK

OverviewApplication

What you will do

• Work as a hands-on Principal Engineer and own Klarna’s public edge architecture — the global entrypoint for all customer and partner traffic.
• Design and build the next-generation edge platform that public services rely on for secure, reliable, low-latency traffic handling.
• Define how services are exposed, secured, routed, and monitored at the edge — and implement the core patterns in production code.
• Design and implement the technical foundation for migrating 500+ production public endpoints to a scalable and secure model. For example: building reusable patterns so services can be made globally available with minimal custom configuration.
• Own and evolve edge security using AWS CloudFront and AWS WAF, defining secure-by-default patterns aligned with OWASP principles. For example: bot mitigation, rate limiting, and protection against common web attacks while keeping latency low.
• Simplify traffic flows and reduce architectural complexity at scale. For example: enabling more direct edge-to-service communication paths.
• Design and implement clear observability patterns for public infrastructure. For example: making it easy to understand how public entrypoints behave and how they relate to backend services.
• Build AI-assisted developer tooling that embeds edge standards directly into workflows. For example: using coding agents and reusable Claude-based skills to help teams migrate endpoints safely.
• Lead through engineering — write production code, ship core components, and set standards through working implementations.

Who you are

• A deeply hands-on expert in public or edge infrastructure with strong experience in AWS CloudFront and AWS Web Application Firewall (WAF).
• You have personally designed and built large-scale, customer-facing systems operating at significant traffic levels.
• You have led architectural change by building reference implementations and enabling others to follow.
• You have strong TypeScript mastery and write production-grade infrastructure code and tooling in TypeScript (AWS CDK), with high standards for abstraction design and maintainability.
• You understand global traffic management, caching, TLS, routing, distributed system failure modes, and performance trade-offs.
• You have strong knowledge of web security fundamentals (e.g., OWASP Top 10) and experience applying edge protections such as bot mitigation and rate limiting.
• You are comfortable making architectural decisions with long-term impact and balancing security, performance, cost, and developer experience.
• You enjoy building systems yourself and reducing complexity through well-designed abstractions.

Awesome to have

• Experience with frontend engineering and modern frameworks such as React, especially in performance-sensitive environments.
• Strong knowledge of web performance optimization, including caching strategies and improving time-to-first-byte.
• Experience with edge execution or serverless request-handling models.
• Experience building AI-assisted developer tooling or automation systems.
• Experience defining infrastructure patterns adopted across multiple teams.
• Experience with other large-scale CDN or edge platforms such as Cloudflare, Fastly, or Akamai.Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Software Engineer - Java

Engineering - Engineering · Stockholm · Full-time · kr 752,814 SEK - kr 843,151 SEK

OverviewApplication

What you will do

• As a backend Java developer, you will work within a specific problem space critical to Klarna’s current needs where you will design, develop, and deploy backend services with a focus on scalability, high availability, and low latency.

• Collaborate and grow in a dynamic and autonomous environment while working in small, agile, and cross-functional teams.

• Use the latest technologies to solve real problems for our customers at a massive scale.

• Be part of a team that takes full operational responsibility for the services you own, and potentially take part in an on-call rotation.

• Share your knowledge and build creative solutions while helping the team evolve best practices.

Who you are

• Extensive software development experience with one or more general-purpose programming languages, including but not limited to Java.

• Great problem-solving abilities.

• Working proficiency in English.

Awesome to have

• Experience with Java (latest versions).

• Familiarity with Spring and Spring Boot.

• Knowledge of Docker and Kubernetes.

• Experience with Kafka.

• Database experience in PostgreSQL, DynamoDB, and Elasticsearch.

• Familiarity with microservices architecture on AWS.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Offensive Security Engineer - Penetration Tester

Engineering - Engineering · Milan · Full-time · €63,236 EUR - €70,824 EUR

OverviewApplication

What you will do

As a Senior Offensive Security Engineer at Klarna, you will be at the forefront of safeguarding our digital infrastructure and customer data. This position demands a blend of hacking skills, creativity, and a deep understanding of cyber threats. You will simulate sophisticated cyber attacks to identify vulnerabilities, ensuring Klarna's resilience against real-world threats.

• Conduct white-box and black-box penetration testing against internal and public-facing applications and assets.

• Manage, triage, and investigate Bug Bounty submissions and external pentest findings.

• Perform variant analysis on issues discovered through all channels.

• Research and perform security analyses on Klarna’s 3rd-party solutions.

• Develop tooling to support reconnaissance, automation, and metrics collection.

• Provide expert guidance to developers, product security teams, and SOC investigations.

• Spread awareness of offensive security practices via demos, workshops, and training.

• Assess the security of our tech stack and help mature Klarna’s security program.

Who you are

• Strong experience with penetration testing and technical security assessments.

• Experience identifying security issues in code, particularly within Java and Node.js.

• Experience with cloud environments, especially AWS and modern microservice design.

• Comfortable communicating findings clearly with concrete remediation recommendations.

• Skilled in Python scripting and automation.

• Self-driven, proactive, and engaged in advancing Klarna’s security culture.

• Industry-recognized certifications (e.g., OSCP, OSWE, CREST, GIAC, AWS).

• Active participation in CTFs and cybersecurity communities.

Awesome to have

• Collaboration within a diverse and innovative global team.

• Opportunity to work in Milan with a multicultural environment.

• Challenging scope with exposure to cutting-edge technologies.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy

Senior Software Engineer - Java

Engineering - Engineering · Milan · Full-time · €63,236 EUR - €70,824 EUR

OverviewApplication

What you will do

• As a backend Java developer, you will work within a specific problem space critical to Klarna’s current needs where you will design, develop, and deploy backend services with a focus on scalability, high availability, and low latency.

• Collaborate and grow in a dynamic and autonomous environment while working in small, agile, and cross-functional teams.

• Use the latest technologies to solve real problems for our customers at a massive scale.

• Be part of a team that takes full operational responsibility for the services you own, and potentially take part in an on-call rotation.

• Share your knowledge and build creative solutions while helping the team evolve best practices.

Who you are

• Extensive software development experience with one or more general-purpose programming languages, including but not limited to Java.

• Great problem-solving abilities.

• Working proficiency in English.

Awesome to have

• Experience with Java (latest versions).

• Familiarity with Spring and Spring Boot.

• Knowledge of Docker and Kubernetes.

• Experience with Kafka.

• Database experience in PostgreSQL, DynamoDB, and Elasticsearch.

• Familiarity with microservices architecture on AWS.

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!

Apply

Upload your resume to autofill the application

Upload

First name *

Last name *

Email *

Dial code

Phone number

LinkedIn profile

Please upload your resume (preferably as a PDF file) *

Click or drag file to upload

Supported file format: .PDF; Maximum file size: 10.49 MB; Maximum file: 1;

Mandatory

Are you currently based in the location the job is posted in? *

Yes

No

Are you legally authorised to work in the location where this position is based? *

Yes

No

Will you now or in the future require sponsorship for employment authorization or visa status in the location this position is based? *

Yes

No

AI disclaimer

This application process may use AI-enabled systems to support candidate evaluation based on factors such as experience, technical skills, and qualifications. All processing is carried out in accordance with applicable data protection, AI governance, and labour laws. Human oversight is maintained at all stages, and final hiring decisions are made by people. Personal data submitted as part of this application is not used to train AI models.

I have read and understood the privacy policy and acknowledge that my personal data will be processed as part of this application.

Submit

Hire withPrivacy Policy