Credit Risk Process Specialist - (Cash Loans & Credit Cards)

Aion Bank; Warszawa; On-site; PLN 60,000 - 80,000; Full time

Job summary

A leading innovative digital bank is seeking a Credit Risk Process Specialist to join their team in Warsaw or remotely. The ideal candidate will have strong expertise in unsecured lending products, responsible for designing and maintaining credit risk policies and automating processes. Excellent communication skills in Polish and English are required. This role offers a flexible work location and a range of benefits including private medical care and an Individual Development Budget.

Benefits

Individual Development Budget

VIP-level private medical care

Multisport card co-sponsorship

Apple MacBook for work

Healthy snacks in office

Qualifications

• 3–6 years of experience in Retail Credit Risk.
• Proven experience in system development for credit processes.
• Strong understanding of the end-to-end credit process.

Responsibilities

• Co-develop and manage credit risk policies for unsecured products.
• Define requirements for automating credit processes.
• Support and validate risk-related system developments.

Skills

Retail Credit Risk experience

SQL proficiency

Excel proficiency

Understanding of credit process

Knowledge of banking regulations

Communication skills (Polish & English)

Job description

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, includingGermanyandPoland, 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, ourbiggest 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 Process 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 a Credit Risk Process Specialist with strong expertise in unsecured ledning products (Cash Loans and Credit Cards) to support the design, implementation, and maintenance of retail credit risk policies and processes to join our team in Warsaw (or Remote). Your responsibilities will include:

• Design and Maintain Policy: Co-develop and manage credit risk policies and underwriting rules for unsecured products, ensuring alignment with regulatory standards.

• Automate Processes: Define and manage functional requirements for automating credit processes, including decision logic and system integrations.

• Enable Analysts: Specify requirements for developing the analyst panel tool used for manual credit application reviews.

• Ensure Quality: Support and execute testing and validation of risk-related system developments.

Skills you should have

• 3–6 years of experience in Retail Credit Risk or Policy, specifically focused on unsecured lending (cash loans, credit cards).

• Technical & Analytical Skills: Proven experience in system development & testing for credit processes; proficiency in SQL and Excel.

• Process Knowledge: Strong understanding of the end-to-end credit process and lifecycle management.

• Regulation: Knowledge of relevant Banking Regulations, KNF requirements, and Recommendation T.

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

What we offer

You will get an opportunity to work in aninnovative, digital bank applying state of the art approaches and technologies.
You will be provided anIndividual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offerflexible work location.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and ahospitalisation package.
We care for our colleagues’ well being, therefore we coverpsychological consultations if you ever feel you need such support.
Aion bank account without fee.
We co-sponsor your Multisport card and cover50% 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!