Credit Risk & Process Analyst (SME/Micro Digital Lending) with Spanish

What we do?

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.
We are currently looking for a Credit Risk & Process Analyst (SME/Micro Digital Lending) with Spanish ready to join our adventure, share our ambition and help shape the future of digital banking.

What you will be doing?

As a Credit Risk & Process Analyst, you will be the architect of our credit risk assessment solutions for the SME and Micro digital lending space. Your primary mission is to translate deep credit risk knowledge into best-in-class digital risk assessment concepts. Leveraging your expertise in credit policies, scoring, and capacity assessment - ideally within the French or Spanish markets - you will define requirements and design efficient, automated workflows for credit risk decisioning. You will serve as the crucial bridge between our Risk, Business, and IT teams, ensuring that complex risk principles are clearly understood and flawlessly implemented. From initial concept and documentation to testing, validation, and post-launch monitoring, you will take care of the end-to-end process lifecycle, driving the innovation that keeps our lending solutions competitive and compliant.

Key Responsibilities:

• Credit Risk Policy and Process Definition: Leverage your deep knowledge of credit risk processes and policies (including scoring and credit capacity) to define business requirements and guide the development of solutions that align with industry best practices and regulatory guidelines.
• Requirements Preparation: Design, collect, define, and document credit risk requirements, ensuring they are fully understood and implemented in the development of credit risk solutions.
• Recognition of Market Standards: Identify market standards in credit risk assessment - recognising potential for designing of fully automated processes
• 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.
• 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 internal 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.

Skills you should have

• Credit Risk Expertise: Strong understanding of credit risk processes, policies, scorings and decisioning rules particularly for digital Micro/SME lending
• Understanding of SME segment: Design credit capacity methods considering common financials data sources and taxation rules applicable in a given country (especially France or Spain)
• Process design: Ability to define key elements for automated or semi-automated credit risk assessment purpose, manage timelines, and ensure deliverables meet expectations, 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. Experience in French or Spanish banking will be an advantage.
• 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.
• Working proficiency in Spanish.

What we offer

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.
If your role permits, we also offer flexible work location.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package.
We care for our colleagues' well being, therefore we cover psychological consultations if you ever feel you need such support.
Aion bank account without fee.
We co-sponsor your Multisport card and cover 50% of its cost.
You will work on computer equipment that delivers the best user experience - Apple MacBook.
Our office in Warsaw offers healthy snacks throughout the day.

Our process

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 Team Manager to deep dive on the role specifics and our work environment

Our note to you

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!