Mortgage Credit Risk Lead

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 Mortgage Credit Risk Lead  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 seeking an experienced Mortgage Credit Risk Lead to take full ownership of the mortgage credit risk framework for the Polish market. You will act as the central coordinator across policy, underwriting governance, and portfolio monitoring to ensure all outcomes align with the bank’s risk appetite and local regulations.

Key Responsibilities

• Framework Ownership: Own the end-to-end mortgage credit risk lifecycle, including policy development, underwriting standards, and decisioning processes.

• Policy & Governance: Develop and maintain credit policies; translate regulatory requirements into operational underwriting guidelines and escalation frameworks.

• Underwriting Oversight: Oversee the credit assessment setup (valuation, documentation, and analysis) to ensure consistency and quality.

• Portfolio Monitoring: Analyze risk metrics and early warning indicators; identify trends and present mitigation strategies to senior stakeholders.

• Process Optimization: Lead the risk-side design of credit systems and workflows, ensuring system logic matches policy requirements.

• Compliance: Ensure 100% alignment with Polish mortgage regulations, consumer protection laws, and internal audits.

Skills you should have

• 6–10 years experience in mortgage credit risk or secured retail risk management within a regulated bank, Experience as a Leader or Team Coordinator would be considered as an advantage 

• Deep knowledge of residential mortgage products, LTV/DSTI frameworks, affordability assessments, and collateral risk.

• Solid understanding of Polish mortgage regulations and supervisory expectations.

• Proven ability to translate portfolio data into actionable risk strategies.

• Experience coordinating cross-functional teams (IT, Legal, Valuation, Operations) and influencing without direct authority.

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

• Fluency in Polish (C1) and English at least on communicative (B2) level required 

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 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!