Credit Risk & Process Analyst
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Job Location:
Monthly Salary:
Posted on:
Yesterday
Vacancies:
1 Vacancy
Job Summary
What we do
Aion 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.
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 looking for aCredit Risk & Process Analystto join us at this pivotal moment share our vision and help shape the future of European banking.What you will be doing
As aCredit Risk & Process Analyst you will be the architect of our credit risk assessment solutions for the SME Micro and Retail digital lending space. Your primary mission is totranslate deep credit risk knowledge into best-in-class digital risk assessment concepts. Leveraging your expertise incredit policies scoring and capacity assessment- you willdefine requirementsanddesign efficient automated workflowsforcredit risk decisioning. You will serve as the crucial bridge between our Risk Business and IT teams ensuring that complex risk principles are clearly understood and flawlessly implemented. From initial concept and documentation to testing validation and post-launch monitoringyou will take care of the end-to-end process lifecycledriving the innovationthat keeps our lending solutions competitive and compliant.
Key Responsibilities:
Credit Risk Policy and Process Definition: Leverage your deep knowledge ofcredit risk processesandpolicies(includingscoringandcredit capacity) todefine business requirementsand guide the development of solutions that align with industry best practices and regulatory guidelines.
Requirements Preparation: Design collect define and documentcredit risk requirements ensuring they are fully understood and implemented in the development of credit risk solutions.
Recognition of Market Standards: Identify market standards in credit risk assessment - recognising potential for designing of fully automated processes
Cross-Department Collaboration: Facilitate communication and collaboration acrossRiskBusiness andITteams ensuring that both business and technical teams understand credit risk policies and requirements.
Process Design & Optimization: Co-design and optimizecredit risk processes applications and workflows to improve efficiency compliance and risk management.
Solution Testing & Validation: Support testing and validation of solutions to ensure that they meet both business requirements andcredit riskstandards. Provide feedback for improvements and adjustments.
Implementation Support: Prepare and maintain internal documentation for the implementation phase supporting a smooth deployment and ensuring that all necessary steps are followed.
Ongoing Monitoring & Maintenance: After implementation assist in themonitoringandmaintenanceof credit risk processes ensuring continuous alignment with evolving business needs and regulatory requirements.
Skills you should have
Strong understanding ofcredit risk processespoliciesscoringsanddecisioning rules.
Understanding of SME segment: Designcredit capacity methodsconsidering common financials data sources and taxation rules.
Ability to define key elements forautomated or semi-automated credit risk assessmentpurpose manage timelines and ensure deliverables meet expectations while working with both business and technical teams.
Experience in preparingdetailed documentationfor credit risk processes requirements and project progress.
Solid experience in thebankingorfinancial servicessector with a focus oncredit risk management.
Proficiency inSQLto analyze data and ensure alignment with business and risk requirements.
Strong analytical problem-solving and critical thinking skills with the ability to assess risk and define business solutions.
Education:degree inFinanceStatisticsComputer ScienceMathematicsEconometrics or a related field.
Fluency in English: Strong communication skills both written and verbal to effectively collaborate with cross-functional teams and stakeholders.
What we offer
We provide our team members with Apple MacBooks to ensure a seamless work and superior user experience.
Flexible Work Model: We offer a hybrid approach with a monthly allowance to support your home office costs
Health & Wellbeing: You and your closest family (spouse and dependents) will be covered by comprehensive private healthcare.
Meal Support: We help fuel your day with meal vouchers.
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
Step 3: Meet with Head of Country
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
- ISO 27001
- Microsoft Access
- Risk Management
- Financial Services
- PCI
- Risk Analysis
- Analysis Skills
- COBIT
- NIST Standards
- SOX
- Information Security
- Data Analysis Skills
