BaaS Credit Risk Specialist

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 looking for a Credit Risk Specialist with solid experience in retail lending and a passion for innovation to join ourBanking-as-a-Service (BaaS) risk team.
This position 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 leading 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.

• 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 product structuring onboarding discussions and solution testing with internal and external stakeholders)
• Ensure policies align with regulatory expectations and group-level risk strategy.
• Design and optimize credit flows (KYC credit checks affordability calculations and decision engines)
• 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 local consumer lending laws and data privacy requirements.
• Collaborate cross-functionally with internal and external stakeholders.
• Support internal and external audit or regulatory reviews where applicable.

• 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 Poland 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
• Bachelors or Masters in a relevant field.

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!