Corporate / SME Credit Risk Analyst

UniCredit in Poland is part of one of the largest banks 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 an international financial institution. We draw on 150 years of experience and the unique expertise of our teams, acting as the Group’s 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 looking for a Corporate / SME Credit Risk Analyst to join us at this pivotal moment, share our vision, and help shape the future of European banking.

Credit risk assessments, portfolio management: 

• Credit risk assessments for clients and financial assessment for suppliers (onboarding assessment and monitoring).

• Participate in credit decision-making processes.

• Manage a portfolio of loans and the relationship with clients with regard to credit risk.

• Develop and refine credit risk policies, processes and frameworks for different markets.

• Perform data analysis to derive portfolio insights and improve risk management strategies.

BaaS projects management and settlement reviews:

• Conduct financial assessments, including settlement risk analysis, for BaaS initiatives.

• Oversee the full credit risk lifecycle of BaaS projects, including eligibility criteria, data structuring, validation rules, policy development, contract reviews and testing.

• Lead negotiations with partners on credit risk-related topics to align with internal policies.

• Settlement limits management & monitoring (daily basis).

• Prepare and present in-depth feasibility analyses, including financial modeling and extensive calculations.

• Monitor and report on project risk metrics on a daily and weekly basis.

• Recommend process improvements to enhance operational efficiency and risk management.

• Prepare clear and concise reports on portfolio performance and policy updates for senior management and the Group.

• Minimum 3 years of experience in SME/ Corporate banking

• B.S. or Master's Degree in economics, finance, statistics, computer science, mathematics, econometrics or related

• Fluency in English, other European languages are considered a plus

• Good communication skills, both in drafting and orally as well as strong presentation skills; 

• Team player, ability to build good interpersonal relationships and like to work in close partnership with the people in the business

• Ability and openness to work in a dynamic team

Nice to have: 

• Good knowledge of SQL

Extensive experience in banking / credit risk

Opportunity to develop expertise in a niche area: Banking-as-a-Service (BaaS).

Opportunity to acquire expertise in a wide range of risk related areas, such as: settlement risk, vendor assessment, provisioning, collection/ recovery, etc.

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies. 

You will work on computer equipment that delivers the best user experience — Apple MacBook. 

We also offer flexible work location: home/office —  according to your preference. If you feel like working from the office, we have beautiful space available for you in Brussels and Warsaw. Each office is very nicely located with convenient commute options by public transport and by bike. Our office in Warsaw offers healthy snacks throughout the day. 

You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.

You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package. 

We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support. 

We co-sponsor your Multisport card and cover 50% of its cost.

We keep our recruiting process simple. 
Step 1: Talk with one of our Recruiters about your experience and ambitions.
Step 2: Meet with the Team Manager to discuss how we fit each other.

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 you're 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!