Your responsibilities

• Credit Risk Ownership for Projects - develop and implement credit policies and rules for BaaS partners from early design to ongoing performance monitoring (including participation in product structuring, onboarding discussions, and solution testing with internal and external stakeholders)
• Ensure policies align with regulatory expectations and group-level risk strategy.
• Design and optimize credit flows (KYC, credit checks, affordability calculations and decision engines)
• Coordinate testing and troubleshooting with tech and data teams during implementation.
• Monitor portfolio performance (KPIs, trends, default rates, DPD buckets, approval rates) and propose actions or policy changes
• Ensure that your BaaS projects are compliant with credit risk standards, local consumer lending laws, and data privacy requirements.
• Collaborate cross-functionally with internal and external stakeholders.
• Support internal and external audit or regulatory reviews where applicable.

Our requirements

• 3-6 years in retail credit risk, credit policy, or lending operations, with exposure to unsecured products (i.e. personal loans, cards, or BNPL)
• Familiarity with the banking sector in Poland and ideally involvement with multi-market or BaaS models.
• Understanding of credit scoring models, bureau data, and basic SQL.
• Strong communication, highly organized, proactive ownership.
• Fluency in English and Polish
• Bachelor's or Master's in a relevant field.

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.