Credit Product Expert

Permanent employee, Full-time · Poland - Warsaw - Polish Branch

What we do?

Aion Bank is a digital bank and credit institution licensed by the National Bank of Belgium with retail operations in Belgium and Poland.

Aion Bank is also a leading European Banking-as-a-Service (BaaS) provider. Combining its banking licence and regulatory and compliance expertise with a fully API-based, cloud-native platform via commercial partner Vodeno,  Aion/Vodeno are uniquely positioned to offer comprehensive embedded financial services for banks, lenders and merchants across multiple sectors. 

Our biggest strength are 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 Product Expert ready to join our adventure and share our ambition. 

What you will be doing?
  • Monitoring performance of credit products 
  • Reporting errors and issues identified at the product level and setting tasks for errors elimination
  • Daily management of credit products
  • Cooperation with IT developers and project owners on development of new products and credit processes 
  • Analyzing credit flows for new products and approving concepts
  • Testing of credit products
  • Preparing recommendations for Product Committee on specific products approval for production deployment
  • Coordinating relation with regulator and external bodies with respect to credit products performance
  • Assisting and working together with sales & business teams
  • Reviewing Term sheets & Agreements for credit products
  • Presenting Projects’ status and Policy changes to Management 
Skills you should have
  • Good Knowledge of credit products especially like Cash Loan, Flex Limit, Overdraft, Buy Now Pay Later (BNPL)
  • Good understanding of credit lifecycle
  • Experience in banking sector (minimum 2 years)
  • Experience in Data Analytics to generate important insights
  • Understanding of credit bureaus and the type of data provided by them
  • Understanding of Lending Regulations & Law
  • Good knowledge of SQL & Excel usage
  • B.S. or Master's Degree in finance, statistics, computer science, mathematics, econometrics or related (Nice to have)
  • Fluency in English and good communication skills
What we offer

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.

Unless limited by banking regulations we offer a flexible form of contract.

If your role permits, we also offer flexible work location: home/office —  according to your preference. 

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. 

We offer a free premium Aion bank account

You will work on computer equipment that delivers the best user experience — Apple MacBook

If you feel like working from the office, we have beautiful space available for you in Brussels and Warsaw. Each office is very nicely located with convenient commute options by public transport and by bike. 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 the Head of Credit Risk for final discussion

Equal Opportunity Statement
At Aion, we embrace diversity in all of its forms and nurture an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of opening new opportunities to businesses and people.
We're an equal opportunity employer. All applicants will be considered for employment without attention to ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status or disability status.
About us

Our company

Aion is a subscription-only digital bank with a modern human touch, offering a wide range of services to individual and business customers. Seated in Brussels, it operates under a Belgian banking licence and offers customers fast and convenient ways to optimise savings and expenses in real-time as well as personalised advice through a best-in-class app. 

Our new way of banking – one that harnesses the best of traditional banks together with the ease of use provided by the latest technology – is reshaping the relationship between a bank and its customers, making services beyond banking and investment accessible at the push of a button, and without any extra costs. 

We use cutting-edge technology, including AI, and the latest market insights to help our customers with financial advice, save on their utility bills, get lower interest loans and increase the value of their savings through an automated money saving and earning platform – all to make our customers’ lives easier. 

Our customers’ safety comes first. Aion’s top security specialists ensure that, thanks to the newest technological solutions, our security procedures exceed the international standards and provide for the safety of our customers’ money. 

Banking today is largely based on incremental fees and added services costs in order to access and manage customers’ money. Aion bank is changing this model by never charging any hidden fees and by treating each customer equally.

The bank is backed by the global investment fund Warburg Pincus and is managed by seasoned international senior executives with extensive expertise in growing financial institutions.

We are looking forward to hearing from you!
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