BaaS Credit Risk Specialist at UniCredit Polska

Opis stanowiska:

Najnowsze informacje o pracy w UniCredit Polska na stanowisko BaaS Credit Risk Specialist. If the BaaS Credit Risk Specialist wolny etat w Małopolskie odpowiada Twoim kwalifikacjom, prześlij swoje aktualne CV bezpośrednio przez portal Jobkos.

Pamiętaj, że proces rekrutacji wymaga spełnienia określonych wymogów firmy. Mamy nadzieję, że oferta pracy w UniCredit Polska na stanowisko BaaS Credit Risk Specialist poniżej odpowiada Twoim kwalifikacjom.

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 Niemcy and Polska, 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 BaaS 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 a BaaS Credit Risk Specialist  with solid experience in retail lending and a passion for innovation to join our  Banking-as-a-Service (BaaS) risk team. This Stanowisko is designed for someone who enjoys owning their projects end-to-end — from designing credit processes and policies to testing integrations and monitoring credit performance.

In this role, you will be responsible for l eading multiple BaaS projects from the credit risk perspective . You will work closely with our embedded finance partners and internal stakeholders to build compliant and high-performing credit journeys in areas like cash loans, credit cards, overdrafts, and BNPL .

Key responsibilities:

• 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.
• Design and optimize credit flows (credit checks, affordability calculations, eligibility criteria and scoring rules).
• Coordinate testing and troubleshooting with tech and data teams during implementation.
• Monitor portfolio performance (KPIs, trends, default rates, DPD buckets, approval rates) and propose actions or policy changes.
• Ensure that your BaaS projects are compliant with credit risk standards and local consumer lending laws.
• Collaborate cross-functionally with internal and external stakeholders.
• Support internal and external audit or regulatory reviews where applicable.

Skills you should have

• 3-6 years in retail credit risk, credit policy, or lending operations, with exposure to unsecured products (i.e. personal loans, cards, or BNPL).
• Familiarity with the banking sector in Polska and ideally involvement with multi-market or BaaS models.
• Understanding of credit scoring models, bureau data, and basic SQL.
• Strong communication, highly organized, proactive ownership. 
• Fluency in English and Polish.
• Bachelor's or Master's in a relevant field.

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 Miejsce pracy .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!

Szczegóły oferty:

• Firma: UniCredit Polska
• Stanowisko: BaaS Credit Risk Specialist
• Miejsce pracy: Małopolskie
• Kraj: PL

Jak złożyć aplikację:

Po zapoznaniu się z kryteriami i wymaganiami opisanymi w informacjach o pracy BaaS Credit Risk Specialist at the office Małopolskie powyżej, niezwłocznie przygotuj dokumenty aplikacyjne, takie jak list motywacyjny, CV, kopię dyplomu oraz inne załączniki. Wyślij aplikację, klikając 'Następna strona' poniżej.