Credit Risk Control Expert

UniCredit in Poland belongs to one of the largest financial groups in Europe serving over 15 million Clients including one million businesses. We are building a new banking model that combines the speed and appeal of a fintech with the strength and stability of a universal bank. We draw on 150 years of experience and the unique expertise of our teams acting as the Groups pan-European innovation hub.

We are creating ultra-fast and transparent banking with an all-in-one application and new opportunities for all Clients - individual business and corporate. We provide full omnichannel service thanks to a network of flagship branches in key Polish cities and our Support Center.

Our greatest value is our People - a Team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration engagement and achieving ambitious goals.

We are seeking a highly analytical and detail-oriented individual to join our team as a Credit Risk Control Expert. As a key function within the second line of defense Risk Control and reporting directly to the Deputy CRO this position will be instrumental in overseeing monitoring and controlling the banks credit risk exposures. This role is crucial for ensuring the credit portfolios are managed within established risk appetite and in full compliance with internal policies and regulatory standards.

• Implement and maintain robust processes for 2nd line monitoring and control of credit risk exposures against approved limits internal policies and regulatory thresholds
• Conduct independent analysis and challenge of credit proposals risk ratings and credit portfolio performance
• Conduct independent analysis and challenge of Receivable Purchase Agreements and BaaS lending project proposals
• Monitor key credit risk indicators and early warning signals to proactively identify potential deterioration in the credit portfolio quality

• Contribute to the development review and maintenance of the banks credit risk policies procedures and methodologies
• Coordinate and independently review/challenge the periodic assessments of the credit portfolio and related control frameworks prepared by the first line of defense

• Independent review validation and monitoring of credit risk models (e.g. PD LGD EAD)
• Ensure the effective application of these models in credit decision-making and risk calculation

• Collaborate with the 1st line Credit Risk and Credit Administration teams to embed a strong credit risk control culture
• Support the integration of credit risk considerations into new products projects and change initiatives

• Masters degree in Finance Quantitative Finance Risk Management Economics or a related field
• Proven track record (5 years) in credit risk control credit analysis credit portfolio management or a related function within the banking or financial services sector
• Strong understanding of credit risk regulatory requirements and frameworks (e.g. Basel III / IV CRR EBA guidelines)
• Proficiency in credit risk modeling concepts (PD LGD EAD) and portfolio stress testing
• Exceptional analytical quantitative and problem-solving abilities with the capacity to interpret complex data and derive actionable insights
• Excellent communication report writing and presentation skills with the ability to articulate complex risk issues clearly to different stakeholders
• Relevant professional certifications (e.g. CFA FRM PRM) are a strong advantage

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!