Capital and Business Risk Manager

Klarna; London; On-site; GBP 85,000 - 114,000; Full time

Job description

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About Us
With over 85 million global active users and 2 million transactions per day, Klarna is on the way to becoming the world’s favorite way to shop. To help us get there, we’re assembling an unparalleled global talent team—accelerating individual careers, and disrupting entire industries. We’re looking for people ready to achieve the extraordinary and embrace our bold ambitions as we shape the future of payments and fintech. Will you join us?

What You Will Do

• Own and evolve Klarna’s risk policies, global risk framework, and risk appetite statements.
• Oversee capital risk, ensuring regulatory alignment and forward-looking resilience in Klarna’s capital positions.
• Review and challenge securitization strategies—including synthetic and traditional structures—for policy alignment and regulatory compliance.
• Critically assess and validate Klarna’s internal capital and liquidity assessment processes, including recovery planning initiatives.
• Ensure business and capital forecasting models are robust, risk-aligned, and support Klarna’s sustainability goals.
• Provide independent risk opinions, lead assurance reviews, and support senior-level risk decision-making.
• Collaborate cross-functionally to drive continuous improvements in enterprise risk management practices.

Who You Are

• Hold a degree in a quantitative or analytical field (e.g. Economics, Finance, Engineering, Science, or Business).
• Have experience working within UK or EU-regulated financial institutions, with a strong grasp of banking regulations and supervisory frameworks.
• Possess deep knowledge of capital management and capital requirement frameworks.
• Have experience—or strong interest—in securitization practices (synthetic and traditional).
• Demonstrate strong communication skills in verbal and written English.
• Excel in structured problem-solving and critical thinking in high-complexity environments.
• Detail-oriented, ambitious, and capable of both strategic thinking and tactical execution.
• Located in or open to relocation to London or Stockholm.

Awesome to Have

• Experience working in a fast-scaling, tech-driven or fintech organization.
• Familiarity with ECB, PRA, or EBA regulatory frameworks.
• Exposure to enterprise-wide risk tools or GRC systems.
• Prior involvement in ICAAP/ILAAP or Recovery & Resolution Planning (RRP) submissions.

Closing
To ensure fairness and maintain global market competitiveness, each role in a specific location has a set base salary. During the recruitment process, we will assess your skills and experience to determine which role is the best fit for you.

Additionally, you may qualify for our Contribution-Based Reward (CBR) program, which recognizes and rewards significant contributions to our success.

Please include a CV in English.

Department: Analytics
Locations: London, United Kingdom
Yearly salary: £85,457 - £113,009

About Klarna
Since 2005, Klarna has been on a mission to reimagine how consumers spend and save in their daily lives. We help people save time and money and reduce financial worry. With over 85 million global active users and 2.5 million transactions per day, our vision is a world where Klarna empowers everyone, everywhere, through seamless financial and commerce experiences—as a personalized, trusted assistant making financial empowerment effortless.

Over 575,000 global retail partners, including H&M, Saks, Sephora, Macys, IKEA, Expedia Group, and Nike have integrated Klarna's innovative technology to deliver a seamless shopping experience online and in-store.

Founded in 2005
Co-workers: 3,800
Turnover: $2.5bn

Apply! Analytics · London, United Kingdom Capital and Business Risk Manager