Credit Risk Process Specialist – Mortgage Lending

What we do?

Aion Bank is a fully regulated European bank and credit institution, combining Vodeno’s cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate financial services into their offerings.

As part of the UniCredit Group, Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodeno's existing Banking-as-a-Service (BaaS) offering across key European markets, including Germany and Poland, will see the bank embed its services - ranging from account access and deposits to lending, payments and loyalty programs - directly into non-banking digital platforms, facilitating seamless customer experiences.

At Aion Bank, our biggest strength is our people—a team of highly intelligent, creative, and ambitious professionals who thrive in a fast-paced, innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.

We are currently looking for a Credit Risk Process Specialist ready to join our adventure, share our ambition and help shape the future of digital banking.

What you will be doing?

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.
  

Skills you should have

• 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.
  

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 be provided an Individual Development Budget, dedicated to enhancing your professional skills.If your role permits, we also offer flexible work location.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. 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 ambitionsStep 2: Meet with your future Team Manager to deep dive on the role specifics and our work environment

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!