What we do?

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 aRisk Systems & Process Analystto join us at this pivotal moment, share our vision, and help shape the future of European banking.

What you will be doing?

As aRisk Systems & Process Analyst, you will serve as the technical architect of our credit risk assessment solutions for the SME and Micro digital lending space. You will act as the operational bridge between the Business Risk team and the Development teams.

Technical Requirements:

• Translate business credit policies and risk requirements into detailed technical specifications, User Stories, and tasks for software developers.

• Prepare technical requirements for implementation of key credit process elements, risk engine, analyst panel and related applications

• Manage the backlog for technical implementations, ensuring developers have clear acceptance criteria for every logic change or new feature

Process Design & Data Flow:

• Map technical data flows and integration points between the Risk Engine, Analyst Panel, and external data sources.

• Identify opportunities to optimize system performance and reduce latency in the credit decision process.

• Design data structures necessary to ensure effective data flow through applications

Testing & Validation:

• Conduct technical validation and User Acceptance Testing (UAT) for all changes in the risk engine and analyst panel before they go live

• Use SQL to verify that data is being captured and processed correctly according to the risk logic

Skills you should have

• Systems Analysis & Requirements Engineering: Proven ability to break down complex business problems into granular technical tasks (User Stories) for development teams
• Credit Risk Domain Knowledge: Strong understanding of credit risk processes, scoring and decisioning rules, specifically in the context of Digital/SME lending
• Technical Proficiency: Advanced proficiency in SQL to query databases, analyze logs and validate logic implementations. Knowledge of Python applications will be a benefit
• Experience with Decision Engines: Experience working with Risk Engines or similar decisioning platforms
• Process Modeling: Ability to visualise complex flows and dependencies (e.g., using BPMN or UML) to align business and technical stakeholders
• Analytical Thinking: Strong problem-solving skills to troubleshoot system behaviour and define robust logic for edge cases
• Educational background: Degree in Computer Science, Quantitative Methods or a related technical field
• Communication: Fluency in English is required to effectively collaborate with international cross‑functional teams

What we offer

• Opportunity to work in an innovative, digital bank applying state of the art approaches and technologies
• Flexible form of contract – unless limited by banking regulations
• Individual Development Budget – dedicated to enhancing your professional skills
• Flexible work location – home/office according to your preference
• VIP-level private medical care (includes dental treatment and an hospitalisation package) for you and your closest family
• Psychological consultations if you ever feel you need such support
• Multisport card – we co‑sponsor and cover 50% of its cost
• Apple MacBook – computer equipment that delivers the best user experience
• Healthy snacks – throughout the day in our Warsaw office

Our process

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

Our note to you

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 youre 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!

Contact information