Baas Credit Risk Analyst

What we do?

UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 15 million Clients, including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group's pan-European innovation hub.

We are creating ultra-fast and transparent banking with an "all-in-one" application and new opportunities for all Clients - individual, business, and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, engagement, and achieving ambitious goals.

We are looking for a Baas Credit Risk Analyst to join us at this pivotal moment, share our vision, and help shape the future of European banking.

What you will be doing?

Credit Risk Ownership for Projects - develop and implement credit policies and rules for BaaS partners from early design to ongoing performance monitoring (including participation in initial credit risk checks and review with sales team, customer journey discussions, and solution testing with internal and external stakeholders).
Ensure policies align with regulatory expectations and group-level risk strategy
Verify portfolio quality of BaaS partner's loan portfolio from credit risk perspective.
Credit Risk Process Definition: Leverage your deep knowledge of credit risk processes and policies to define business requirements and guide the development of solutions that align with industry best practices and regulatory guidelines.
Project Coordination: Coordinate Credit Risk projects with a focus on lending for SMEs and microentreprises, and other related credit risk processes. This includes planning work, tracking progress, organizing meetings, and ensuring key milestones are met on schedule.
Milestone Management & Reporting: Track and report on project progress, ensuring that key milestones are met and communicating any delays or issues that might arise.
Cross-Department Collaboration: Facilitate communication and collaboration across Risk, Business, IT, Legal teams, ensuring that both business and technical teams understand credit risk policies and requirements.
Requirements Preparation: Collect, define, and document credit risk requirements, ensuring they are fully understood and implemented in the development of credit risk solutions.
Implementation Support: Prepare and maintain documentation for the implementation phase, supporting a smooth deployment and ensuring that all necessary steps are followed.
Ongoing Monitoring & Maintenance: After implementation, assist in the monitoring and maintenance of credit risk processes, ensuring continuous alignment with evolving business needs and regulatory requirements.

Skills you should have

Credit Risk Knowledge: Strong understanding of credit risk processes and policies, particularly for Micro/SME lending.
Project Coordination: Proven ability to coordinate projects, define key tasks, manage timelines, and ensure deliverables are met, while working with both business and technical teams.
Strong communication, highly organized, proactive ownership
Documentation Expertise: Experience in preparing detailed documentation for credit risk processes, requirements, and project progress.
Banking & Financial Sector: Solid experience in the banking or financial services sector, with a focus on credit risk management.
SQL Knowledge: Basics in SQL to analyze data and ensure alignment with business and risk requirements.
Analytical & Critical Thinking: Strong analytical, problem-solving, and critical thinking skills, with the ability to assess risk and define business solutions.
Educational Background: A degree in Finance, Statistics, Computer Science, Mathematics, Econometrics, or a related field.
Fluency in English: Strong communication skills, both written and verbal, to effectively collaborate with cross-functional teams and stakeholders.

What we offer

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies. 
Unless limited by banking regulations we offer a flexible form of contract.
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offer flexible work location: home/office —  according to your preference. 
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package. 
We care for our colleagues' well being, therefore we cover psychological consultations if you ever feel you need such support. 
We co-sponsor your Multisport card and cover 50% of its cost. 
You will work on computer equipment that delivers the best user experience — Apple MacBook. 
Our office in Warsaw offers healthy snacks throughout the day. 

Our process

We keep our recruiting process simple. 
Step 1: Talk with one of our Recruiters about your to date experiences and ambitions
Step 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment

Our note to you

Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us, we encourage you to apply - even if you're not 100% sure. We are interested in getting to know you and learning about what you bring to the table.

Please note that we may close a job posting early if we receive a large number of exceptional applications.

Good luck

About us

Read more about what we do on our LinkedIn profile.

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