Credit Analyst (Retail Underwriting)

About the role

UniCredit in Poland belongs to one of the largest financial groups 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 a universal bank. 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 looking for a Credit Analyst (Retail Underwriting) to join us at this pivotal moment, share our vision, and help shape the future of European banking. Underwriting & Analysis : Evaluate credit applications for retail products (loans, cards) by assessing creditworthiness and repayment capacity against bank risk policies. Decision Making : Approve, decline, or request further documentation for manual credit cases based on detailed financial analysis. Portfolio Management : Maintain portfolio quality and regulatory compliance by adhering to risk guidelines and industry best practices. Cross-Functional Collaboration : Partner with Sales, Risk, and Collections to streamline the underwriting lifecycle and address process bottlenecks. Strategy & Optimization : Recommend adjustments to credit policies and manual workflows to improve efficiency and adapt to market trends. Data Reporting : Utilize SQL (BigQuery) to extract data and generate insights on application trends and portfolio performance. 2-5 years of experience in retail credit underwriting within banking. Proficiency in analyzing financial statements and credit reports to identify risk factors. Basic SQL (BigQuery) skills for data extraction and performance reporting. Ability to independently approve or decline applications with clear, documented rationale. Solid grasp of credit risk principles, retail banking products, and regulatory standards. Strong time management for fast-paced environments and a proactive mindset for process improvement. SoClear communication for stakeholder management and a collaborative, team-oriented approach. Polish C2, English B2 Degree in Finance, Statistics, CS, Math, or Econometrics (preferred). You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies. Unless limited by banking regulations we offer a flexible form of contract . You will be provided an Individual Development Budget , dedicated to enhancing your professional skills. If your role permits, we also offer flexible work location : home/office - according to your preference. 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. 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!