Corporate Credit Risk Analyst

UniCredit; Ząbki; On-site; PLN 180,000 - 240,000; Full time

Benefits offered by this job

VIP medical care

Hospitalisation

Multisport card

MacBook provided

Healthy snacks

Development budget

Flexible work location

Flexible contract

Job summary

UniCredit in Poland is seeking a Corporate Credit Risk Analyst to join our Warsaw team. You will conduct risk assessments for corporate clients, perform financial analyses, and support credit decision processes with a focus on risk mitigation and portfolio management.

We expect strong knowledge of credit risk processes, regulatory requirements, and fluency in English and Polish. The role offers a flexible contract form and opportunities for professional development in a digital banking

Qualifications

• Bachelor’s or Master’s degree in Finance, Economics, Banking or related field.
• Minimum 5 years of corporate credit risk experience.
• Fluent in English and Polish.

Responsibilities

• Conduct credit risk assessments for corporate clients, including periodic reviews and ongoing monitoring.
• Perform in-depth financial analysis (financial statements, cash flows, business models) to define credit limits and assess risk appetite.
• Participate in credit decision-making processes, including preparation of credit recommendations and materials for credit committees.
• Manage and monitor a credit portfolio, identify early warning signals and propose risk mitigation actions.
• Set, monitor and review counterparty and settlement limits in line with internal policies and Group standards.
• Support development, implementation and reviews of credit risk policies, processes and risk frameworks, ensuring compliance with Polish regulatory requirements.
• Perform data-driven analyses to derive portfolio insights, monitor portfolio performance and support proactive risk management.
• Prepare clear portfolio analyses, risk reports and recommendations for senior management and Group stakeholders.

Skills

Corporate credit risk

Financial analysis

SQL

Regulatory knowledge

English and Polish

Education

Finance/Economics/Banking degree

Job description

What we do?

UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 20 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 Corporate 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?

• Conduct credit risk assessments for corporate clients, including periodic reviews and ongoing monitoring
• Perform in-depth financial analysis (financial statements, cash flows, business models) to define credit limits and assess risk appetite
• Participate in credit decision-making processes, including preparation of credit recommendations and materials for credit committees
• Manage and monitor a credit portfolio, identify early warning signals and propose risk mitigation actions
• Set, monitor and review counterparty and settlement limits in line with internal policies and Group standards
• Supporting development, implementation and reviews of credit risk policies, processes and risk frameworks, ensuring compliance with Polish regulatory requirements
• Perform data-driven analyses to derive portfolio insights, monitor portfolio performance and support proactive risk management
• Prepare clear portfolio analyses, risk reports and recommendations for senior management and Group stakeholders

Skills you should have

• Minimum 5 years of experience in corporate credit risk, preferably within the Polish market
• Strong knowledge of credit risk processes, including credit granting, monitoring and portfolio management
• Proven experience in financial analysis and credit risk assessment
• Good understanding of collateral structures, credit bureaus and external data sources
• Knowledge of Polish regulatory and supervisory requirements
• Strong analytical skills; experience with data analysis and SQL is an advantage
• Bachelor’s or Master’s degree in Finance, Economics, Banking or a related field
• Strong communication and presentation skills with the ability to work effectively with business and risk stakeholders
• Team-oriented mindset, high level of ownership and ability to work in a dynamic environment
• Very good command of English and Polish (written and spoken)

What we offer

You will get an opportunity to work in a 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

We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. By embracing diversity of thought and making all voices heard regardless of background, we drive innovation, sustainable growth, and new business opportunities. This inclusive approach enhances our work climate, directly boosting our people's productivity, well-being, and engagement.
Our Values - Integrity, Ownership, Caring - are more than just words. They are actions. Mandates. Pledges. When we all commit to these shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose.

Good luck!