Credit Analyst – Retail Underwriting (Poland based for Spain Market)

What we do?

UniCredit in Poland 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. 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 Analyst – Retail Underwriting (Spain Market)  to join us at this pivotal moment, share our vision, and help shape the future of European banking.

What you will be doing?

Join our international team in Poland to help shape the future of digital banking across Europe. 

While location of work is based in Poland, you will be responsible for manual underwriting and risk assessment for our Spanish retail portfolio. 

Key Responsibilities

• Credit Assessment: Manually review and assess creditworthiness for unsecured retail products (cash loans, credit cards) for the Spanish market.

• Decision Making: Approve or decline applications based on risk appetite, providing clear documentation for each rationale.

• Risk & Quality Control: Monitor portfolio performance, identify early warning signs, and ensure compliance with Spanish regulatory standards.

• Process Optimization: Use SQL (BigQuery) to analyze data trends and suggest improvements to underwriting policies and workflows.

• Collaboration: Work cross-functionally with Risk, Compliance, and Sales teams to streamline the underwriting process.

  
  

Skills you should have

• 2–5 years in retail credit underwriting, specifically within unsecured lending.

• Proficiency in evaluating financial data, credit bureau reports, and fraud indicators.

• Understanding of retail lending regulations and compliance standards (knowledge of Spanish market regulations is a plus).

• Basic SQL (BigQuery) skills for data querying and reporting.

• Fluent English and Polish (written and verbal); Spanish language skills are a significant advantage.

• Degree in Finance, Economics, Statistics, or a related quantitative field.

• Decisive, detail-oriented, and comfortable in a high-volume, fast-paced environment.

  
  

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. 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!