Lending Business Analyst

What we do?

Aion Bank is a fully regulated European bank and credit institution that combines Vodeno’s proprietary, private blockchain-based platform with its ECB banking license, balance sheet and regulatory and compliance expertise to offer a comprehensive suite of embedded banking products. 

Aion has a track record of delivering fully compliant embedded banking solutions to retailers, eCom/marketplaces, banks/neobanks and fintechs, creating a better customer experience that drives conversion, increases engagement and fosters loyalty. 

Aion Bank is currently active in Belgium, Germany, Poland and Sweden, including a retail business in both Belgium and Poland. 

Our biggest strength is 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 Lending Business Analyst ready to join our adventure and share our ambition.

What you will be doing?

As a Lending Business Analyst, you will be at the heart of Credit Risk projects, coordinating activities and ensuring successful delivery. While your role is not purely project management, you will take responsibility for planning, tracking, and managing key milestones to ensure projects progress smoothly. Your strong understanding of credit risk processes and credit risk policies will be essential in defining requirements, co-designing credit risk processes, and ensuring that solutions align with business goals and regulatory standards. You will work closely with cross-functional teams (Risk, Business, and IT) and external Partners to ensure that both project objectives and risk policies are effectively incorporated into the final deliverables.

Your role will also involve defining credit risk requirements, ensuring they are met during solution development, and supporting the post-deployment process to ensure smooth implementation and ongoing monitoring.

• Project Coordination: Coordinate Credit Risk projects with a focus on retail lending, Micro/SME lending, and other related credit risk processes. This includes planning work, tracking progress, organizing meetings, and ensuring key milestones are met on schedule.
• Credit Risk Process Definition: Leverage your deep knowledge of credit risk processes and policies to define business requirements and guide the development of solutions that align with industry best practices and regulatory guidelines.
• 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.
• Milestone Management & Reporting: Track and report on project progress, ensuring that key milestones are met and communicating any delays or issues that might arise.
• Requirements Preparation: Collect, define, and document credit risk requirements, ensuring they are fully understood and implemented in the development of credit risk solutions.
• 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 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 Knowledge: Strong understanding of credit risk processes and policies, particularly for retail lending, Micro/SME lending, and related products (e.g., Cash Loans, BNPL).
• Project Coordination: Proven ability to coordinate projects, define key tasks, manage timelines, and ensure deliverables are met, 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.
• 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.

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.

You will be provided an Individual Development Budget, dedicated to enhancing your professional skills.

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. 

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. 

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 your future Manager to deep dive on the role and our work environment

Step 3: Meet with Head of Department

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!