Credit Risk Process Specialist – Mortgage Lending

Aion Bank; Warszawa; On-site; PLN 180,000 - 240,000; Full time

Job summary

A leading digital bank in Warsaw is looking for a Credit Risk Process Specialist to design and implement credit risk policies with a focus on mortgage lending. Candidates should have 3-6 years of relevant experience and strong analytical skills. This role offers innovative work in a dynamic environment, opportunities for professional growth, and comprehensive benefits including VIP medical care and support for mental well-being.

Benefits

Individual Development Budget

VIP-level private medical care

Multisport card co-sponsorship

Apple MacBook for work

Healthy snacks in the office

Qualifications

• 3–6 years of experience in credit risk or policy, focusing on mortgage lending.
• Deep understanding of mortgage lifecycle, property valuation, and income verification.
• Experience in business/system requirement definition and User Acceptance Testing.

Responsibilities

• Design and maintain mortgage credit risk policies and underwriting standards.
• Define and validate system requirements for risk decisioning.
• Analyze portfolio performance and track key risk indicators.

Skills

Credit risk analysis

Mortgage lending expertise

SQL proficiency

Excel proficiency

Communication skills in 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 mortgage lending products to support the design, implementation, and maintenance of credit risk policies and processes. Your responsibilities will include:

• Policy & Standards: Design, maintain, and support mortgage credit risk policies, underwriting standards, and approval flows.

• System Development: Define and validate system requirements for risk decisioning, process automation, and analyst tools.

• Quality Assurance: Lead User Acceptance Testing (UAT) and other validation activities for new credit process implementations.

• Portfolio Analysis: Analyze portfolio performance, track key risk indicators (LTV, DTI, PD), and propose targeted improvements.

• Regulatory Compliance: Ensure all processes and policies adhere to Recommendation S and other relevant KNF regulations.

Skills you should have

• 3–6 years of experience in credit risk or policy, with a specific focus on mortgage lending.

• Domain Expertise: Deep understanding of the mortgage lifecycle, property valuation, income verification, and relevant regulatory frameworks.

• Technical Skills: Proven experience in business/system requirement definition and UAT; strong proficiency in SQL and Excel.

• Compliance: Familiarity with Recommendation Sand Polish mortgage credit risk regulations.

• Communication: Fluency in 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 ahospitalisation 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 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!

Contact information