BaaS Credit Risk Specialist

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.

We are looking for a 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 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.

• 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.

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.

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

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!

Read more about what we do on our LinkedIn profile.