Credit Risk Process Specialist – Mortgage Lending

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 Process Specialist with strong expertise in mortgage lending products to support the design implementation and maintenance of credit risk policies and processes. Your responsibilities will include:

• Policy & Standards:Design maintain and supportmortgage credit risk policies underwriting standards and approval flows.

• System Development:Define and validate system requirements forrisk decisioning process automation and analyst tools.

• Quality Assurance:Lead User Acceptance Testing (UAT)and other validation activities for new credit process implementations.

• Portfolio Analysis:Analyze portfolio performance track key risk indicators (LTV DTI PD) and propose targeted improvements.

• Regulatory Compliance: Ensure all processes and policies adhere to Recommendation S and other relevant KNF regulations.

• 36 years of experience in credit risk or policy with a specific focus on mortgage lending.

• Domain Expertise:Deep understanding of themortgage lifecycle property valuation income verification and relevant regulatory frameworks.

• Technical Skills:Proven experience inbusiness/system requirement definition and UAT; strong proficiency inSQL and Excel.

• Compliance:Familiarity withRecommendation Sand Polish mortgage credit risk regulations.

• Communication: Fluency in English.

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!