Corporate / SME Credit Risk Analyst
Corporate / SME Credit Risk Analyst
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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 including Germany and Poland 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 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 seeking a highly analytical and detail-oriented Corporate / SME Credit Risk Analyst to join our team. In this role you will be responsible for performing financial assessments of our clients (Corporate or SME clients) evaluating financial performance assessing credit risk managing credit portfolios and supporting various financial projects including BaaS initiatives and counterparty limit reviews. You will collaborate closely with internal and external stakeholders to ensure effective credit risk management and policy implementation.
What you will be doing
Credit risk assessments portfolio management:
Credit risk assessments for clients and financial assessment for suppliers (onboarding assessment and monitoring).
Participate in credit decision-making processes.
Manage a portfolio of loans and the relationship with clients with regard to credit risk.
Develop and refine credit risk policies processes and frameworks for different markets.
Perform data analysis to derive portfolio insights and improve risk management strategies.
BaaS projects management and settlement reviews:
Conduct financial assessments including settlement risk analysis for BaaS initiatives.
Oversee the full credit risk lifecycle of BaaS projects including eligibility criteria data structuring validation rules policy development contract reviews and testing.
Lead negotiations with partners on credit risk-related topics to align with internal policies.
Settlement limits management & monitoring (daily basis).
Prepare and present in-depth feasibility analyses including financial modeling and extensive calculations.
Monitor and report on project risk metrics on a daily and weekly basis.
Recommend process improvements to enhance operational efficiency and risk management.
Prepare clear and concise reports on portfolio performance and policy updates for senior management and the Group.
Skills you should have
Minimum 3 years of experience in SME/ Corporate banking
B.S. or Masters Degree in economics finance statistics computer science mathematics econometrics or related
Fluency in English other European languages are considered a plus
Good communication skills both in drafting and orally as well as strong presentation skills;
Team player ability to build good interpersonal relationships and like to work in close partnership with the people in the business
Ability and openness to work in a dynamic team
Nice to have:
Good knowledge of SQL
What we offer
Extensive experience in banking / credit risk
Opportunity to develop expertise in a niche area: Banking-as-a-Service (BaaS).
Opportunity to acquire expertise in a wide range of risk related areas such as: settlement risk vendor assessment provisioning collection/ recovery etc.
You will get an opportunity to work in an innovative digital bank applying state of the art approaches and technologies.
You will work on computer equipment that delivers the best user experience Apple MacBook.
We also offer flexible work location: home/office according to your preference. If you feel like working from the office we have beautiful space available for you in Brussels and Warsaw. Each office is very nicely located with convenient commute options by public transport and by bike. Our office in Warsaw offers healthy snacks throughout the day.
You will be provided an Individual Development Budget dedicated to enhancing your professional skills.
You and your closest family will be covered with VIP-level private medical carewhich includes dental treatment and a hospitalisation package.
We care for our colleagues well being therefore we cover psychological consultationsif you ever feel you need such support.
Aion bank accountwithout fee.
We co-sponsor yourMultisport card and cover 50% of its cost.
Our process
We keep our recruiting process simple.
Step 1: Talk with one of our Recruiters about your experience and ambitions.
Step 2:Meet with the Team Manager to discuss how we fit each other.
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
