Credit Risk & Process Analyst (SME/Micro Digital Lending) with Spanish
Credit Risk & Process Analyst (SME/Micro Digital Lending) with Spanish
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Job Description
What we do
Aion Bank is a fully regulated European bank and credit institution combining Vodenos 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 Vodenos 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 peoplea 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 Analyst (SME/Micro Digital Lending) with Spanish ready to join our adventure share our ambition and help shape the future of digital banking.What you will be doing
As a Credit Risk & Process Analyst you will be the architect of our credit risk assessment solutions for the SME and Micro digital lending space. Your primary mission is to translate deep credit risk knowledge into best-in-class digital risk assessment concepts. Leveraging your expertise in credit policies scoring and capacity assessment - ideally within the French or Spanish markets - you will define requirements and design efficient automated workflows for credit risk decisioning. You will serve as the crucial bridge between our Risk Business and IT teams ensuring that complex risk principles are clearly understood and flawlessly implemented. From initial concept and documentation to testing validation and post-launch monitoring you will take care of the end-to-end process lifecycle driving the innovation that keeps our lending solutions competitive and compliant.
Key Responsibilities:
Credit Risk Policy and Process Definition: Leverage your deep knowledge ofcredit risk processesandpolicies(includingscoringandcredit capacity) todefine business requirementsand guide the development of solutions that align with industry best practices and regulatory guidelines.
Requirements Preparation: Design collect define and documentcredit risk requirements ensuring they are fully understood and implemented in the development of credit risk solutions.
Recognition of Market Standards: Identify market standards in credit risk assessment - recognising potential for designing of fully automated processes
Cross-Department Collaboration: Facilitate communication and collaboration acrossRiskBusiness andITteams ensuring that both business and technical teams understand credit risk policies and requirements.
Process Design & Optimization: Co-design and optimizecredit risk processes applications and workflows to improve efficiency compliance and risk management.
Solution Testing & Validation: Support testing and validation of solutions to ensure that they meet both business requirements andcredit riskstandards. Provide feedback for improvements and adjustments.
Implementation Support: Prepare and maintain internal documentation for the implementation phase supporting a smooth deployment and ensuring that all necessary steps are followed.
Ongoing Monitoring & Maintenance: After implementation assist in the monitoring and maintenance of credit risk processes ensuring continuous alignment with evolving business needs and regulatory requirements.
Skills you should have
Credit Risk Expertise: Strong understanding of credit risk processes policies scorings and decisioning rules particularly for digital Micro/SME lending
Understanding of SME segment: Designcredit capacity methodsconsidering common financials data sources and taxation rules applicable in a given country (especially France or Spain)
Process design:Ability to define key elements forautomated or semi-automated credit risk assessmentpurpose manage timelines and ensure deliverables meet expectations while working with both business and technical teams.
Documentation Expertise: Experience in preparingdetailed documentationfor credit risk processes requirements and project progress.
Banking & Financial Sector: Solid experience in thebankingorfinancial servicessector with a focus oncredit risk in French or Spanish bankingwill be an advantage.
SQL Knowledge: Proficiency inSQLto analyze data and ensure alignment with business and risk requirements.
Analytical & Critical Thinking: Strong analytical problem-solving and critical thinking skills with the ability to assess risk and define business solutions.
Educational Background: A degree inFinanceStatisticsComputer ScienceMathematicsEconometrics or a related field.
Fluency in English: Strong communication skills both written and verbal to effectively collaborate with cross-functional teams and stakeholders.
Working proficiency in Spanish.
What we offer
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
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 youre 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
Required Experience:
IC
Employment Type
Full-Time
