SME/Micro Risk Expert - Lending 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.

As a Lending  Business Analyst, you will be at the heart of Credit Risk projects, coordinating activities and ensuring successful delivery. While your role is not purely project management, you will take responsibility for planning, tracking, and managing key milestones to ensure projects progress smoothly. Your strong understanding of credit risk processes and credit risk policies will be essential in defining requirements, co-designing credit risk processes, and ensuring that solutions align with business goals and regulatory standards. You will work closely with cross-functional teams (Risk, Business, IT, Legal) and external Partners to ensure that both project objectives and risk policies are effectively incorporated into the final deliverables.

Your role will also involve defining credit risk requirements, ensuring they are met during solution development, and supporting the post-deployment process to ensure smooth implementation and ongoing monitoring.

Key Responsibilities:

• Project Coordination: Coordinate Credit Risk projects with a focus on lending for SMEs and microentreprises, and other related credit risk processes. This includes planning work, tracking progress, organizing meetings, and ensuring key milestones are met on schedule.

• Credit Risk Process Definition: Leverage your deep knowledge of credit risk processes and policies to define business requirements and guide the development of solutions that align with industry best practices and regulatory guidelines.

• Cross-Department Collaboration: Facilitate communication and collaboration across Risk, Business, and IT teams, ensuring that both business and technical teams understand credit risk policies and requirements.

• Milestone Management & Reporting: Track and report on project progress, ensuring that key milestones are met and communicating any delays or issues that might arise.

• Requirements Preparation: Collect, define, and document credit risk requirements, ensuring they are fully understood and implemented in the development of credit risk solutions.

• Process Design & Optimization: Co-design and optimize credit risk processes, applications, and workflows to improve efficiency, compliance, and risk management.

• Solution Testing & Validation: Support testing and validation of solutions to ensure that they meet both business requirements and credit risk standards. Provide feedback for improvements and adjustments.

• Implementation Support: Prepare and maintain documentation for the implementation phase, supporting a smooth deployment and ensuring that all necessary steps are followed.

• Ongoing Monitoring & Maintenance: After implementation, assist in the monitoring and maintenance of credit risk processes, ensuring continuous alignment with evolving business needs and regulatory requirements.

• Credit Risk Knowledge: Strong understanding of credit risk processes and policies, particularly for Micro/SME lending.

• Project Coordination: Proven ability to coordinate projects, define key tasks, manage timelines, and ensure deliverables are met, while working with both business and technical teams.

• Documentation Expertise: Experience in preparing detailed documentation for credit risk processes, requirements, and project progress.

• Banking & Financial Sector: Solid experience in the banking or financial services sector, with a focus on credit risk management.

• SQL Knowledge: Proficiency in SQL to analyze data and ensure alignment with business and risk requirements.

• Analytical & Critical Thinking: Strong analytical, problem-solving, and critical thinking skills, with the ability to assess risk and define business solutions.

• Educational Background: A degree in Finance, Statistics, Computer Science, Mathematics, Econometrics, or a related field.

• Fluency in English: Strong communication skills, both written and verbal, to effectively collaborate with cross-functional teams and stakeholders.

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!