BaaS Credit Risk Specialist

What we do?

UniCredit in Poland is part of one of the largest banks 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 an international financial institution. 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 BaaS Credit Risk Specialist to join us at this pivotal moment, share our vision, and help shape the future of European banking.

What you will be doing?

We are looking for a  BaaS Credit Risk Specialist with solid experience in retail lending and a passion for innovation to join our Banking-as-a-Service (BaaS) risk team. 
This position is designed for someone who enjoys owning their projects end-to-end — from designing credit processes and policies to testing integrations and monitoring credit performance.

In this role, you will be responsible for leading multiple BaaS projects from the credit risk perspective. 
You will work closely with our embedded finance partners and internal stakeholders to build compliant and high-performing credit journeys in areas like cash loans, credit cards, overdrafts, and BNPL.

Key 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 initial credit risk checks and review with sales team, customer journey discussions, and solution testing with internal and external stakeholders).

• Ensure policies align with regulatory expectations and group-level risk strategy.

• Verify portfolio quality of BaaS partner’s loan portfolio from credit risk perspective.

• Design and optimize credit flows (credit checks, affordability calculations, eligibility criteria and scoring rules).

• 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 and local consumer lending laws.

• Collaborate cross-functionally with internal and external stakeholders.

• Support internal and external audit or regulatory reviews where applicable.

Skills you should have

• 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. 
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 ambitions
Step 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!