SME Credit Risk Analyst

Aion Bank is a fully regulated European bank and credit institution that combines Vodeno’s proprietary, private blockchain-based platform with its ECB banking license, balance sheet and regulatory and compliance expertise to offer a comprehensive suite of embedded banking products. 

Aion has a track record of delivering fully compliant embedded banking solutions to retailers, eCom/marketplaces, banks/neobanks and fintechs, creating a better customer experience that drives conversion, increases engagement and fosters loyalty. 

Aion Bank is currently active in Belgium, Germany, Poland and Sweden, including a  retail business in both Belgium and Poland. 

Our biggest strength is our people - a group of highly intelligent, creative, result-driven and ambitious individuals who always rise to the challenge. Together, we create a positive, energetic and fast-paced work environment. We stay professional in getting things done, but remember not to leave our passion and fun behind.

We are currently looking for a SME Credit Risk Analyst ready to join our adventure and share our ambition.

• Analysing small and medium size business clients in granting and monitoring processes

• Developing and managing SME credit risk processes and flows (Overdraft / Revolving / Investment Loans)

• Preparing SME credit risk policies for credit products 

• Preparing analysis of financial standing, financial ratios and payment capacity

• Recommending credit structures, decisions and covenants

• Monitoring of business Clients based on defined level of risk appetite

• Testing of developed processes

• Assisting and working together with sales, business, legal and collection teams for introduction and management of credit products

• B.S. or Master's Degree in finance, banking, statistics or related

• At least 5 years of experience in credit risk area of SME clients

• Solid understanding of financial statements, ability to analyze them and draw conclusions

• Good Knowledge of SME credit risk processes

• Good Knowledge of collaterals with emphasis on Polish regulatory requirements

• Experience in banking sector (especially Poland)

• Understanding of credit bureaus and the type of data provided by them 

• Good knowledge of SQL will be a significant advantage 

• Analytical skills

• Ability to efficiently communicate in both: Polish and English languages

We keep our recruiting process simple. 
Step 1: Talk with one of our Recruiters about your to date experiences and ambitions
Step 2: Meet with your future Manager to deep dive on the role and our work environment
Step 3: Meet with Head of department for final decision

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!