MidFull TimeEN
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 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 Credit Risk Process Specialist to join us at this pivotal moment, share our vision, and help shape the future of European banking.
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 support mortgage credit risk policies, underwriting standards, and approval flows.
System Development: Define and validate system requirements for risk 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.
3–6 years of experience in credit risk or policy, with a specific focus on mortgage lending.
Domain Expertise: Deep understanding of the mortgage lifecycle, property valuation, income verification, and relevant regulatory frameworks.
Technical Skills: Proven experience in business/system requirement definition and UAT; strong proficiency in SQL and Excel.
Compliance: Familiarity with Recommendation S and 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 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!
