Credit Risk Specialist (Buy Now Pay Later)
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Job Location:
Monthly Salary:
Posted on:
30+ days ago
Vacancies:
1 Vacancy
Job Summary
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 Specialistready to join our adventure share our ambition and help shape the future of digital banking.What you will be doing
We are looking for anCredit Risk Specialisttomanage and develop the BNPL risk frameworkfor existing and newBanking-as-a-Service (BaaS)partnerships and direct channels in Poland.
Policy & Governance:Design implement and maintainBNPL credit risk policiesand processes ensuringKNF regulatory compliance.
Portfolio Management:Conduct deepportfolio monitoring and analytics(delinquency PD LGD) to maintain quality and drive corrective actions.
Decisioning:Develop and managecredit scoring and decisioning rulesin collaboration with IT/Data Science.
Partner Oversight: Evaluate and perform due diligence on BaaS partners and new BNPL models.
Skills you should have
36 years experience in credit risk analytics or policy preferably in BNPL consumer lending or fintech.
BaaS/Partnerships:Experience withBaaSor partnership-based lending models is a plus.
Technical Skills:Strong proficiency in SQL and Excel.
Knowledge: Solid understanding of the credit life cycle scoring models and KNF regulations.
Strong written and verbal communication skills advanced Polish and communicative English
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
Key Skills
- Interventional Radiology
- Information Technology Sales
- Jdbc
- Glass
- Architecture
