SME Credit Risk Expert

Aion Bank is a fully regulated European bank and credit institution, combining Vodeno’s cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate financial services into their offerings.

As part of the UniCredit Group, Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodeno's existing Banking-as-a-Service (BaaS) offering across key European markets, including Germany and Poland, will see the bank embed its services - ranging from account access and deposits to lending, payments and loyalty programs - directly into non-banking digital platforms, facilitating seamless customer experiences.

At Aion Bank, our biggest strength is our people—a team of highly intelligent, creative, and ambitious professionals who thrive in a fast-paced, innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.

• Analysing SME and Corporate business clients in granting and monitoring processes - conduct in-depth financial assessments to define appropriate credit limits
• Participate in credit decision-making processes
• Manage a portfolio of loans and the relationship with clients with regard to credit risk
• Perform data analysis to derive portfolio insights and improve risk management strategies
• Perform counterparty limits - granting, monitoring, ad-hoc credit reviews, Group reporting
• Develop and refine credit risk policies, processes and risk frameworks

• Minimum 10 years of experience in SME/ Corporate banking (especially Poland)
• Broad Knowledge of SME credit risk processes
• Knowledge of collaterals with emphasis on Polish regulatory requirements
• B.S. or Master's Degree in banking,  economics, finance or related
• Understanding of credit bureaus and the type of data provided by them
• Good communication skills as well as strong presentation abilities  
• 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
• Knowledge of SQL
• 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!