Credit Risk Process Specialist – Mortgage Lending
Join to apply for the Credit Risk Process Specialist – Mortgage Lending role at UniCredit Polska.
We are currently looking for a Credit Risk Process Specialist with strong expertise in mortgage lending products to support the design, implementation, and maintenance of credit risk policies and processes.
What you will be doing?
Your responsibilities will include:
- Policy & Standards: Design, maintain, and support mortgage credit risk policies, underwriting standards, and approval flows.
- System Development: Define and validate system requirements for risk decisioning, process automation, and analyst tools.
- Quality Assurance: Lead User Acceptance Testing (UAT) and other validation activities for new credit process implementations.
- Portfolio Analysis: Analyze portfolio performance, track key risk indicators (LTV, DTI, PD), and propose targeted improvements.
- Regulatory Compliance: Ensure all processes and policies adhere to Recommendation S and other relevant KNF regulations.
Skills you should have
- 3–6 years of experience in credit risk or policy, with a specific focus on mortgage lending.
- Domain Expertise: Deep understanding of the mortgage lifecycle, property valuation, income verification, and relevant regulatory frameworks.
- Technical Skills: Proven experience in business/system requirement definition and UAT; strong proficiency in SQL and Excel.
- Compliance: Familiarity with Recommendation S and Polish mortgage credit risk regulations.
- Communication: Advanced English and fluent Polish.
What we offer
You will get an opportunity to work in an innovative, digital bank applying state‑of‑the‑art approaches and technologies.
- Individual Development Budget to enhance professional skills.
- Flexible work location (if role permits).
- VIP‑level private medical care for you and your immediate family, including dental treatment and hospitalisation package.
- Psychological consultations if you need support.
- Co‑sponsored Multisport card with 50 % cost coverage.
- Apple MacBook for your work.
- Healthy snacks available throughout the day at the Warsaw office.
Our process
We keep our recruiting process simple.
- Talk with one of our Recruiters about your experience and ambitions.
- Meet with your future Team Manager to deep dive on role specifics and our work environment.
We encourage applicants who are enthusiastic, even if they do not meet every requirement. We are interested in learning 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!
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