BaaS Credit Risk Specialist

What we do?

Aion Bank is a fully regulated European bank and credit institution, combining Vodeno's cutting-edge, private blockchain-based platform with its ECB banking license, strong balance sheet, and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions, enabling businesses to seamlessly integrate financial services into their offerings.

As part of the UniCredit Group, Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodeno's existing Banking-as-a-Service (BaaS) offering across key European markets, including Germany and Poland, will see the bank embed its services - ranging from account access and deposits to lending, payments and loyalty programs - directly into non-banking digital platforms, facilitating seamless customer experiences.

At Aion Bank, our biggest strength is our people—a team of highly intelligent, creative, and ambitious professionals who thrive in a fast-paced, innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.

We are currently looking for a

BaaS Credit Risk Specialist

ready to join our adventure, share our ambition and help shape the future of digital 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 l

eading 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

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.

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