Credit Risk Policies and Processes Expert

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 Credit Risk Policies and Processes Expert ready to join our adventure and share our ambition.

• Managing retail credit processes (Cash Loans / Credit Cards / Mortgages / Overdraft / BNPL)

• Preparing retail credit risk policies for credit products offered for different markets

• Preparing retail credit risk processes and flows

• Testing of credit processes

• Monitoring of retail credit portfolio 

• Data analysis to generate portfolio insights

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

• Presenting Projects’ statuses / Policy changes / Portfolio performance / Monitoring reports to Higher Management 

• Good Knowledge of retail credit risk processes, especially for products like Cash Loan, Credit Cards, Mortgages, Overdraft, Buy Now Pay Later (BNPL)

• Experience in banking sector (especially Poland)

• Experience in Data Analytics to generate important insights

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

• Understanding of Basic Lending Regulations & Law

• Good knowledge of SQL

• B.S. or Master's Degree in finance, statistics, computer science, mathematics, econometrics or related

•  Fluency in English and good communication skills

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!