Credit Risk Specialist

For our client, a modern European bank combining traditional financial services with innovative technology, we are currently looking for a Credit Risk Business Analyst. The client helps businesses integrate banking services like payments, loans, and accounts directly into their platforms. They are part of a large international banking group and play a key role in developing digital banking solutions across Europe.

• 3 to 6 years of experience in credit risk, credit policy, or credit operations, particularly in unsecured products (e.g. cash loans, credit cards, BNPL)
• Fluency in Polish and English
• Knowledge of the Polish banking sector
• Good understanding of scoring models, credit bureau data, and SQL
• Strong communication skills, good work organization, and proactive approach
• Higher education (Bachelor's or Master's degree) in a relevant field

• Creating and implementing credit policies and risk assessment rules for BaaS partners from design to ongoing performance monitoring
• Participating in early-stage credit risk analysis and cooperating with sales team and external partners
• Ensuring policies comply with regulatory requirements and group-level risk strategy
• Assessing quality of BaaS partners' credit portfolios
• Designing and optimizing credit processes including creditworthiness assessment, eligibility criteria, and scoring rules
• Coordinating testing and resolving technical issues with IT and analytics teams
• Monitoring portfolio performance (KPIs, trends, delinquency levels, acceptance rates) and recommending corrective actions
• Ensuring BaaS projects comply with local consumer credit regulations
• Collaborating with internal and external stakeholders
• Supporting internal and external audits and regulatory reviews

• Working in a modern digital bank using the latest tools and technologies
• Personal development budget to support professional growth
• Flexible workplace aligned with preferences
• Access to psychological support
• Free company bank account
• 50% subsidy for the Multisport card
• Top-class equipment (Apple MacBook provided)
• Premium private medical care for employee and family, including dental care and hospitalization
• Sharing costs of sports activities
• Sharing costs of foreign language classes
• Sharing costs of professional training and courses
• Life insurance
• Remote work opportunities
• Flexible working time
• Dental care

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