Credit Risk Process Specialist (Cash Loans & Credit Cards)

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 aCredit Risk Process Specialistwith strong expertise in unsecured ledning products(Cash Loans and Credit Cards) to support the design implementation and maintenance of retail credit risk policies and processes to join our team inWarsaw (or Remote). Your responsibilities will include:

• Design and Maintain Policy: Co-develop and manage credit risk policies and underwriting rules for unsecured products ensuring alignment with regulatory standards.

• Automate Processes:Define and managefunctional requirementsfor automating credit processes including decision logic and system integrations.

• Enable Analysts:Specify requirements for developing theanalyst panel toolused for manual credit application reviews.

• Ensure Quality: Support and execute testing and validation of risk-related system developments.

• 36 years of experience in Retail Credit Risk or Policy specifically focused on unsecured lending (cash loans credit cards).

• Technical & Analytical Skills: Proven experience in system development & testing for credit processes; proficiency in SQL and Excel.

• Process Knowledge:Strong understanding of the end-to-end credit process andlifecycle management.

• Regulation: Knowledge of relevant Banking Regulations KNF requirements and Recommendation T

• Strong written and verbal communication skills advanced Polish and communicative 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!