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 Specialist to join us at this pivotal moment, share our vision, and help shape the future of European banking.
We are looking for an Credit Risk Specialist to manage and develop the BNPL risk framework for existing and new Banking-as-a-Service (BaaS) partnerships and direct channels in Poland.
Policy & Governance: Design, implement, and maintain BNPL credit risk policies and processes, ensuring KNF regulatory compliance.
Portfolio Management: Conduct deep portfolio monitoring and analytics (delinquency, PD, LGD) to maintain quality and drive corrective actions.
Decisioning: Develop and manage credit scoring and decisioning rules in collaboration with IT/Data Science.
Partner Oversight: Evaluate and perform due diligence on BaaS partners and new BNPL models.
3–6 years experience in credit risk, analytics, or policy, preferably in BNPL, consumer lending, or fintech.
BaaS/Partnerships: Experience with BaaS or partnership-based lending models is a plus.
Technical Skills: Strong proficiency in SQL and Excel.
Knowledge: Solid understanding of the credit life cycle, scoring models, and KNF regulations.
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 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!
