Credit Risk Specialist

6 dni temu

Poland Warsaw HQ UniCredit Pełny etat 40 000 zł - 80 000 zł rocznie


What we do?

Aion Bank is a fully regulated European bank and credit institution, combining Vodeno's cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate financial services into their offerings.

As part of the UniCredit Group, Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodeno's existing Banking-as-a-Service (BaaS) offering across key European markets, including Germany and Poland, will see the bank embed its services - ranging from account access and deposits to lending, payments and loyalty programs - directly into non-banking digital platforms, facilitating seamless customer experiences.

At Aion Bank, our biggest strength is our people—a team of highly intelligent, creative, and ambitious professionals who thrive in a fast-paced, innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.

We are currently looking for a Credit Risk Specialist ready to join our adventure, share our ambition and help shape the future of digital banking.

What you will be doing?

We are looking for an  Credit Risk Specialist to manage and develop the BNPL risk framework for existing and new Banking-as-a-Service (BaaS) partnerships and direct channels in Poland.

Policy & Governance: Design, implement, and maintain BNPL credit risk policies and processes, ensuring KNF regulatory compliance.

Portfolio Management: Conduct deep portfolio monitoring and analytics (delinquency, PD, LGD) to maintain quality and drive corrective actions.

Decisioning: Develop and manage credit scoring and decisioning rules in collaboration with IT/Data Science.

Partner Oversight: Evaluate and perform due diligence on BaaS partners and new BNPL models.



Skills you should have

3–6 years experience in credit risk, analytics, or policy, preferably in BNPL, consumer lending, or fintech.

BaaS/Partnerships: Experience with BaaS or partnership-based lending models is a plus.

Technical Skills: Strong proficiency in SQL and Excel.

Knowledge: Solid understanding of the credit life cycle, scoring models, and KNF regulations.

Strong written and verbal communication skills, advanced Polish and communicative English



What we offer

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offer flexible work location.
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. 
Aion bank account without fee. 
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.

  • BaaS Credit Risk Specialist

    1 tydzień temu

    Poland - Warsaw - HQ UniCredit Pełny etat 40 000 zł - 100 000 zł rocznie

    What we do? UniCredit in Poland is part of one of the largest banks 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 an international financial institution. We draw on 150 years of experience and the unique...

  • BaaS Credit Risk Specialist

    7 godzin temu

    Poland - Warsaw - HQ UniCredit Pełny etat

    What we do? UniCredit in Poland is part of one of the largest banks 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 an international financial institution. We draw on 150 years of experience and the unique...

  • Credit Risk Process Specialist

    6 dni temu

    Poland - Warsaw - HQ UniCredit Pełny etat 50 000 zł - 70 000 zł rocznie

    What we do? Aion Bank is a fully regulated European bank and credit institution, combining Vodeno's cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate...

  • Credit Risk

    6 dni temu

    Poland - Warsaw - HQ UniCredit Pełny etat 120 000 zł - 180 000 zł rocznie

    What we do? Aion Bank is a fully regulated European bank and credit institution, combining Vodeno's cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate...

  • Credit Risk Process Specialist – Mortgage Lending

    6 dni temu

    Poland - Warsaw - HQ UniCredit Pełny etat 80 000 zł - 120 000 zł rocznie

    What we do? Aion Bank is a fully regulated European bank and credit institution, combining Vodeno's cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate...

  • Baas Credit Risk Analyst

    8 godzin temu

    Poland - Warsaw - HQ UniCredit Pełny etat

    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...

  • SME Credit Risk Analyst

    6 dni temu

    Poland - Warsaw - HQ UniCredit Pełny etat 40 000 zł - 80 000 zł rocznie

    What we do? Aion Bank is a fully regulated European bank and credit institution, combining Vodeno's cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate...

  • VP Credit Risk Specialist

    1 tydzień temu

    Warsaw, Polska Cypher Consulting Europe Pełny etat

    Tasks - Supporting deployment and maintenance of live models. - Supporting or driving enhancement of existing credit risk scorecards in order to improve their performance or their applicability to other risk measurement or regulatory requirements. - Being involved in data improvement initiatives to support model development. - Overseeing the development...

  • SME/Micro Risk Expert

    6 dni temu

    Poland - Warsaw - HQ UniCredit Pełny etat 40 000 zł - 80 000 zł rocznie

    What we do? Aion Bank is a fully regulated European bank and credit institution, combining Vodeno's cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate...

  • Credit Risk Expert

    6 dni temu

    Inflancka a Warszawa, - Poland IPF Digital Pełny etat 60 000 zł - 120 000 zł rocznie

    At IPF Digital, we're on the journey of becoming a skills-based organization – where your capabilities and potential matter more than job titles. We want to know what you're great at, what excites you, and what you'd like to grow into. Not sure if you tick every box? We'd still love to hear from you.About TeamAt IPF Digital, our Credit Risk Team leads the...