Credit Policy Expert (Mid / Corporate)
What we do? UniCredit in Poland is part of one of the largest banks in Europe, serving over 20 million Customers, including one million companies. We are building a new banking model, combining the speed and attractiveness of fintech with the strength and stability of an international financial institution. We draw on 150 years of experience and the unique competencies of our teams, serving as the Group's pan-European innovation hub.
We are creating super-fast and transparent banking with an "all-in-one" app and new possibilities for all Customers - individual, business, and corporate. We provide fully omnichannel service thanks to a network of flagship branches in key cities in Poland and a Support Center.
Our greatest value is people - a team of creative experts who thrive in a dynamic and innovative environment. We focus on collaboration, commitment, and achieving ambitious goals.
We are looking for a person for the position of Credit Policy Expert (Mid / Corporate) who will join us at this crucial moment, share our vision, and help shape the future of European banking.
What you will be doing? Shaping risk policy: Creating, developing, and updating credit policy and risk appetite frameworks for the Mid / Corporate segment Defining standards: Developing acceptance criteria, underwriting principles, and guidelines for complex products, including project finance and secured financing Portfolio management: Analyzing the structure and quality of the credit portfolio, identifying macroeconomic and industry trends, and proactively adjusting risk frameworks accordingly Close cooperation with business units (e.g., when implementing new products and changes to existing ones) Close cooperation with risk units: Consulting with analysts on the most complex credit cases regarding compliance with the bank's policy and strategy. Substantive support regarding built and developed rating models Participation in process design: Proposing solutions, procedures, and tools to improve the credit process, translating into safe and efficient financing for enterprises.
Skills you should have Expert experience: Practice in the area of credit risk (risk policy, advanced underwriting, or portfolio analysis) in the medium and large enterprise segment Fluent understanding of advanced financial analysis (including capital groups and financial models) and market collateral standards Product expertise: In-depth understanding of the mechanisms and risks of products such as project finance, structured, and syndicated financing Systems thinking: Ability to translate individual case studies and analyses into system-wide principles, policies, and decision rules Analytical skills: Ability to think critically and draw strategic conclusions Foreign languages: English min B2
Nice to have: Knowledge of SQL Experience in defining business requirements for risk assessment support systems or in implementing automation in the credit process
What we offer Work in an innovative digital bank with access to the latest technologies Individual development budget The possibility to choose between remote work and the office depending on your preferences Private VIP medical care for you and your family with a dental and hospital package Free psychological consultations as part of caring for your well-being Co-financing of half the cost of the Multisport card Free meals in the office
Our process Our recruitment process is simple: Step 1: Conversation with a Talent Acquisition Partner about your previous experience and ambitions Step 2: Meeting with the Manager
Our note to you As an employer committed to equal opportunities, we build an organizational culture that draws strength from diversity and supports inclusive behavior. We believe that valuing unique opinions and ensuring every voice is heard drives innovation, supports sustainable development, and opens new business opportunities. Such an approach builds an inspiring atmosphere that directly translates into efficiency, engagement, and employee well-being. Our values – Integrity, Responsibility, and Care – are more than just slogans. They are real actions and daily commitments. By living these values every day, we deliver the highest quality and real results to our customers. Acting in their interest allows us to achieve our goal together. If you are interested in working with us, we encourage you to apply – even if you are not 100% sure you meet all the criteria. We would be happy to meet you and learn what you can bring to our team. We appreciate your time and thank you for your application. We reserve the right to contact only selected candidates.
Good luck!