Credit Risk Process Specialist – Mortgage Lending

UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 20 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 a universal bank. 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.

We are looking for a Credit Risk Process Specialist  to join us at this pivotal moment, share our vision, and help shape the future of European banking.

We are looking for a Credit Risk Process Specialist with strong expertise in mortgage lending products to support the design, implementation, and maintenance of credit risk policies and processes. Your responsibilities will include:

• Policy & Standards: Design, maintain, and support mortgage credit risk policies, underwriting standards, and approval flows.

• System Development: Define and validate system requirements for risk decisioning, process automation, and analyst tools.

• Quality Assurance: Lead User Acceptance Testing (UAT) and other validation activities for new credit process implementations.

• Portfolio Analysis: Analyze portfolio performance, track key risk indicators (LTV, DTI, PD), and propose targeted improvements.

• Regulatory Compliance: Ensure all processes and policies adhere to Recommendation S and other relevant KNF regulations.

• 3–6 years of experience in credit risk or policy, with a specific focus on mortgage lending.

• Domain Expertise: Deep understanding of the mortgage lifecycle, property valuation, income verification, and relevant regulatory frameworks.

• Technical Skills: Proven experience in business/system requirement definition and UAT; strong proficiency in SQL and Excel.

• Compliance: Familiarity with Recommendation S and Polish mortgage credit risk regulations.

• Communication: Fluency in English.

We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. By embracing diversity of thought and making all voices heard regardless of background, we drive innovation, sustainable growth, and new business opportunities. This inclusive approach enhances our work climate, directly boosting our people's productivity, well-being, and engagement.
Our Values - Integrity, Ownership, Caring - are more than just words. They are actions. Mandates. Pledges. When we all commit to these shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose.
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. We appreciate your time and application. Please note that we reserve the right to contact selected candidates.

Good luck!