SME Credit Risk Analyst

About the role

UniCredit in Poland is part of one of the largest banks 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 an international financial institution. 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 currently looking for a SME Credit Risk Analyst ready to join our adventure, share our ambition and help shape the future of digital banking. You will be responsible for evaluating financial information, assessing credit risk for SME business clients and managing credit portfolios. You will collaborate closely with internal and external stakeholders to ensure effective credit risk management and policy implementation Analysing SME and micro business clients in granting and monitoring processes - conduct in-depth financial assessments to define appropriate credit limits Participate in credit decision-making processes Manage a portfolio of loans and the relationship with clients with regard to credit risk Perform data analysis to derive portfolio insights and improve risk management strategies Perform counterparty limits - granting, monitoring, ad-hoc credit reviews, Group reporting Develop and refine credit risk policies, processes and risk frameworks Minimum 5 years of experience in SME / micro banking (especially Poland) Broad Knowledge of SME credit risk processes Knowledge of collaterals with emphasis on Polish regulatory requirements B.S. or Master's Degree in banking, economics, finance or related Understanding of credit bureaus and the type of data provided by them Good communication skills as well as strong presentation abilities Team player, ability to build good interpersonal relationships and like to work in close partnership with the people in the business Ability and openness to work in a dynamic team Knowledge of SQL Fluency in English 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!