Your responsibilities

• We are seeking a highly analytical and detail-oriented Corporate / SME Credit Risk Analyst to join our team. In this role, you will be responsible for performing financial assessments of our clients (Corporate or SME clients), evaluating financial performance, assessing credit risk, managing credit portfolios and supporting various financial projects, including BaaS initiatives and counterparty limit reviews. You will collaborate closely with internal and external stakeholders to ensure effective credit risk management and policy implementation.
• Remote work from Poland or Belgium.
• Credit risk assessments, portfolio management:
• • Credit risk assessments for clients and financial assessment for suppliers (onboarding assessment and monitoring).
• • Participate in credit decision-making processes.
• • Manage a portfolio of loans and the relationship with clients with regard to credit risk.
• • Develop and refine credit risk policies, processes and frameworks for different markets.
• • Perform data analysis to derive portfolio insights and improve risk management strategies.
• BaaS projects management and settlement reviews:
• • Conduct financial assessments, including settlement risk analysis, for BaaS initiatives.
• • Oversee the full credit risk lifecycle of BaaS projects, including eligibility criteria, data structuring, validation rules, policy development, contract reviews and testing.
• • Lead negotiations with partners on credit risk-related topics to align with internal policies.
• • Settlement limits management & monitoring (daily basis).
• • Prepare and present in-depth feasibility analyses, including financial modeling and extensive calculations.
• • Monitor and report on project risk metrics on a daily and weekly basis.
• • Recommend process improvements to enhance operational efficiency and risk management.
• • Prepare clear and concise reports on portfolio performance and policy updates for senior management and the Group.

Our requirements

• Minimum 3 years of experience in SME/ Corporate banking
• B.S. or Master's Degree in economics, finance, statistics, computer science, mathematics, econometrics or related
• Fluency in English, other European languages are considered a plus
• Good communication skills, both in drafting and orally as well as strong presentation skills;
• Team player, ability to build good interpersonal relationships and like to work in close partnership with the people in the business
• Ability and openness to work in a dynamic team

Optional

• Good knowledge of SQL

What we offer

• Extensive experience in banking / credit risk

• Opportunity to develop expertise in a niche area: Banking-as-a-Service (BaaS).

• Opportunity to acquire expertise in a wide range of risk related areas, such as: settlement risk, vendor assessment, provisioning, collection/ recovery, etc.

• You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies.

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

• We also offer flexible work location: home/office — according to your preference. 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.

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

• 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.