Credit Risk Specialist (Buy Now Pay Later)

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 Risk Specialist to join us at this pivotal moment, share our vision, and help shape the future of European banking. We are looking for an Credit Risk Specialist to manage and develop the BNPL risk framework for existing and ne w Banking-as-a-Service (BaaS) partnerships and direct channels in Poland. Policy & Governance: Design, implement, and maintain BNPL credit risk policies and processes, ensuring KNF regulatory compliance. Portfolio Management: Conduct deep portfolio monitoring and analytics (delinquency, PD, LGD) to maintain quality and drive corrective actions. Decisioning: Develop and manage credit scoring and decisioning rules in collaboration with IT/Data Science. Partner Oversight: Evaluate and perform due diligence on BaaS partners and new BNPL models. 3-6 years experience in credit risk, analytics, or policy, preferably in BNPL, consumer lending, or fintech. BaaS/Partnerships: Experience with BaaS or partnership-based lending models is a plus. Technical Skills: Strong proficiency in SQL and Excel. Knowledge: Solid understanding of the credit life cycle, scoring models, and KNF regulations. Strong written and verbal communication skills, advanced Polish and communicative 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!