What we do?
Aion belongs to one of the largest financial groups in Europe, serving over 15 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.
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 Loan Documentation Manager to join us at this pivotal moment, share our vision, and help shape the future of European banking.
What you will be doing?
Role Purpose
As the Loan Documentation Manager, you will lead the Verification Unit. Your mission is to guarantee the authenticity and consistency of all supporting documents submitted by Retail and SME applicants. You are the frontline defense against identity theft and documentary fraud, ensuring that the financial data used by our Credit Analysts is 100% verified and truthful.
Key Responsibilities
1. Documentary Fraud Detection
Verification Excellence: Establish the protocols to verify the authenticity of Spanish-specific documents: DNI/NIE, Nóminas, Vida Laboral, Modelos de IVA (303/390), and Impuesto de Sociedades.
Forensic Analysis: Identify signs of digital manipulation (OCR tampering, "Photoshopped" documents) and cross-reference data with external sources (Social Security, Tax Agency).
2. Process Workflow & Efficiency
SLA Management: Ensure that the document verification process is seamless and fast, avoiding bottlenecks in the customer journey from "Application" to "Analysis".
OCR & Automation: Collaborate with the tech team to optimize the Optical Character Recognition (OCR) tools, ensuring high accuracy in automated data extraction.
3. Policy & Quality Control
Verification Checklist: Define the "Minimum Document Set" for each product (Unsecured, Mortgage, SME) and the criteria for what constitutes a "valid" document.
Discrepancy Resolution: Act as the final judge when there is a mismatch between the data declared by the customer and the evidence found in the documents.
4. External Coordination
What we offer
You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.
We provide our team members with Apple MacBooks to ensure a seamless work and superior user experience.
Flexible Work Model: We offer a hybrid approach with a monthly allowance to support your home office costs
Health & Wellbeing: You and your closest family (spouse and dependents) will be covered by comprehensive private healthcare.
Meal Support: We help fuel your day with meal vouchers.
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!
