responsibilities :

Creating and implementing credit policies and risk assessment rules for BaaS partners — from the design stage to ongoing performance monitoring
Participating in early-stage credit risk analysis and cooperating with the sales team and external partners
Ensuring that policies comply with regulatory requirements and the group-level risk strategy
Assessing the quality of BaaS partners’ credit portfolios
Designing and optimizing credit processes (creditworthiness assessment, eligibility criteria, scoring rules)
Coordinating testing and resolving technical issues with IT and analytics teams
Monitoring portfolio performance (KPIs, trends, delinquency levels, acceptance rates) and recommending corrective actions
Ensuring BaaS projects comply with local consumer credit regulations
Collaborating with internal and external stakeholders
Supporting internal and external audits as well as regulatory reviews

requirements-expected :

3- 6 years of experience in credit risk, credit policy, or credit operations, particularly in unsecured products (e.g. cash loans, credit cards, BNPL)
Fluency in Polish and English
Knowledge of the Polish banking sector
Good understanding of scoring models, credit bureau data, and SQL
Strong communication skills, good work organization, and a proactive approach
Higher education (Bachelor’s or Master’s degree) in a relevant field

offered :

Working in a modern digital bank using the latest tools and technologies
A personal development budget to support your professional growth
Flexible workplace — aligned with your preferences
Access to psychological support when needed
A free company bank account
50% subsidy for the Multisport card
Top-class equipment — Apple MacBook provided
Premium private medical care for you and your family, including dental care and hospitalization

benefits :

requirements-expected :