Credit Risk Processes and Credit Products Expert

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

What we do?
Aion Bank is a digital bank licensed by the National Bank of Belgium and the European Central Bank. We launched in Belgium in 2020 and in Poland in 2021.

We offer our retail and business customers a wide variety of financial products and services.

Aion Bank and Vodeno also act as Banking-as-a-Service commercial partners with a mission to revolutionise the Financial Services industry. Combining a modern cloud-native ‘360’ platform ecosystem, a European banking license and a team of banking experts, we are uniquely positioned to offer comprehensive embedded financial services for banks, lenders and merchants across multiple sectors. 

Our biggest strengths are our people - a group of highly intelligent, creative, result-driven and ambitious individuals who always rise to the challenge. An experienced team that shares the knowledge on how to grow and build amazing things. Together we have created 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.

Now, we are looking for a Credit Risk Processes and Credit Products Expert ready to join our adventure and share our ambition.
What you will be doing?
Managing retail credit projects with BaaS partners.

Preparing retail credit risk policies for credit products offered by/with BaaS partners for different markets.

Preparing retail credit risk processes and flow.

Testing of credit processes and monitoring of retail credit portfolio.

Verification of data received from BaaS partners.

Data analysis to generate portfolio insights.

Assisting and working together with sales & business teams for potential BaaS partnerships.

Reviewing Term sheets & Agreements (mainly from Credit Risk perspective) with potential new BaaS partners.

Presenting Projects’ status and Policy changes to Higher Management.

Skills you should have
B.S. or Master's Degree in finance, statistics, computer science, mathematics, econometrics or related (Nice to have).

Good Knowledge of retail credit risk processes, especially for products like Cash Loan, Flex Limit, Overdraft, Buy Now Pay Later (BNPL).

Understanding/experience in Banking as a Service (BaaS).

Experience in Data Analytics to generate important insights.

Understanding of credit bureaus and the type of data provided by them.

Understanding of Basic Lending Regulations & Law.

Good knowledge of SQL.

Fluency in English and good communication skill.
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 have opportunities to grow, and we will provide you with a professional development budget. 

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

You and your closest family members will be covered with VIP level private medical care including dental assistance. 

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

We have a beautiful office space available for you in Warsaw. The office is very nicely located with convenient commute options by public transport and by bike. 

Snacks, lunch dishes and drinks are regularly available in the cafeteria in our office.
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
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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