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 Mortgage Credit Analyst ready to join our adventure, share our ambition and help shape the future of digital banking.What you will be doing?
Analyze the applicant’s income, expenses, and overall financial position to assess repayment capacity.
Verify declared income against supporting documents (e.g., employment contracts, payslips, PSD2 data, bank statements, tax statements).
Perform credit bureau (BIK) & other external registers’ checks and interpret scoring, credit history, and repayment patterns.
Calculate Debt-to-Income (DTI) ratios and assess compliance with bank’s affordability thresholds.
Identify and evaluate existing liabilities, guarantees, and obligations.
Apply internal and regulatory scoring models to assess the level of credit risk.
Liaise with the front-office team for clarifications or additional information where required.
Prepare written credit recommendations, including proposed conditions or mitigations.
Adhere to all internal risk policies and escalation procedures for exceptions.
Skills you should have
Minimum 2–3 years of experience in credit risk analysis, preferably in mortgage products
Strong knowledge of mortgage credit policies and KNF guidelines.
Experience with analysing and understanding data from external registers in Poland .
University degree in Finance, Economics, or related field.
Proficiency in financial analysis, affordability calculations, and credit scoring tools.
Analytical mindset with ability to detect inconsistencies or red flags.
Good knowledge of using SQL & Excel to perform data analytics.
Strong written and verbal communication skills, with communicative English
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!