Credit Analyst (Retail Underwriting)

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  "active_status": "active"
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{
  "id": "2589768",
  "name": "Credit Analyst (Retail Underwriting)",
  "office": "Poland - Warsaw - HQ",
  "keywords": [],
  "schedule": "full-time",
  "createdAt": "2026-04-01T15:11:46+00:00",
  "seniority": "experienced",
  "department": "Credit Risk",
  "occupation": "other",
  "subcompany": "UniCredit - Poland",
  "employmentType": "permanent",
  "jobDescriptions": [
    {
      "name": "What we do?",
      "value": "<p style=\"line-height:1.38;text-align:justify;margin-top:0pt;margin-bottom:0pt;\"><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(33,37,41);background-color:rgb(255,255,255);font-weight:400;font-style:normal;text-decoration:none;\">UniCredit in Poland belongs to one of the largest financial groups in Europe, serving over 20 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.</span></p><p style=\"line-height:1.38;text-align:justify;margin-top:12pt;margin-bottom:12pt;\"><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(33,37,41);background-color:rgb(255,255,255);font-weight:400;font-style:normal;text-decoration:none;\">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.</span></p><p style=\"line-height:1.38;margin-top:12pt;margin-bottom:12pt;\"><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(33,37,41);background-color:rgb(255,255,255);font-weight:400;font-style:normal;text-decoration:none;\">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.</span></p><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(33,37,41);background-color:rgb(255,255,255);font-weight:400;font-style:normal;text-decoration:none;\">We are looking for a </span><strong>Credit Analyst (Retail Underwriting)</strong><span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;color:rgb(33,37,41);background-color:rgb(255,255,255);font-weight:400;font-style:normal;text-decoration:none;\"> to join us at this pivotal moment, share our vision, and help shape the future of European banking.</span>"
    },
    {
      "name": "What you will be doing?",
      "value": "<ul><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p><strong>Underwriting & Analysis</strong>: Evaluate credit applications for retail products (loans, cards) by assessing creditworthiness and repayment capacity against bank risk policies.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p><strong>Decision Making</strong>: Approve, decline, or request further documentation for manual credit cases based on detailed financial analysis.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p><strong>Portfolio Management</strong>: Maintain portfolio quality and regulatory compliance by adhering to risk guidelines and industry best practices.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p><strong>Cross-Functional Collaboration</strong>: Partner with Sales, Risk, and Collections to streamline the underwriting lifecycle and address process bottlenecks.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p><strong>Strategy & Optimization</strong>: Recommend adjustments to credit policies and manual workflows to improve efficiency and adapt to market trends.</p></li><li style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"><p><strong>Data Reporting</strong>: Utilize SQL (BigQuery) to extract data and generate insights on application trends and portfolio performance.</p></li></ul>"
    },
    {
      "name": "Skills you should have",
      "value": "<ul><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\"> 2–5 years of experience in retail credit underwriting </span><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">within banking.</span></p></li><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Proficiency in analyzing financial statements and credit reports to identify risk factors.</span></p></li><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Basic SQL (BigQuery) skills for data extraction and performance reporting.</span></p></li><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Ability to independently approve or decline applications with clear, documented rationale.</span></p></li><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Solid grasp of credit risk principles, retail banking products, and regulatory standards.</span></p></li><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Strong time management for fast-paced environments and a proactive mindset for process improvement.</span></p></li><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">SoClear communication for stakeholder management and a collaborative, team-oriented approach.</span></p></li><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Polish C2, English B2</span></p></li><li><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Degree in Finance, Statistics, CS, Math, or Econometrics (preferred).</span></p></li></ul>"
    },
    {
      "name": "What we offer",
      "value": "<span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">You will get an opportunity to work in an <strong>innovative, digital bank </strong>applying state of the art approaches and technologies. <br>Unless limited by banking regulations we offer a <strong>flexible form of contract</strong>.<br>You will be provided an <strong>Individual Development Budget</strong>, dedicated to enhancing your professional skills.<br>If your role permits, we also offer <strong>flexible work location</strong>: home/office —  according to your preference. <br>You and your closest family will be covered with <strong>VIP-level private medical care</strong> which includes <strong>dental treatment</strong> and a<strong> hospitalisation package</strong>. <br>We care for our colleagues’ well being, therefore we cover <strong>psychological consultations</strong> if you ever feel you need such support. <br>We co-sponsor your <strong>Multisport</strong> card and cover <strong>50%</strong> of its cost. <br>You will work on computer equipment that delivers the best user experience — <strong>Apple MacBook</strong>. <br>Our office in Warsaw offers <strong>healthy snacks</strong> throughout the day. </span>"
    },
    {
      "name": "Our process",
      "value": "<span style=\"font-size:15px;font-family:Arial, Helvetica, sans-serif;\">We keep our recruiting process simple. <br><strong>Step 1: </strong>Talk with one of our Recruiters about your to date experiences and ambitions<br><strong>Step 2: </strong>Meet with your future Team Manager to deep dive on the role specifics and our work environment</span>"
    },
    {
      "name": "Our note to you",
      "value": "<p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">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.</span></p><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Please note that we may close a job posting early if we receive a large number of exceptional applications.</span></p><p><span style=\"font-family:Arial, Helvetica, sans-serif;font-size:15px;\">Good luck!</span></p>"
    }
  ],
  "occupationCategory": "other",
  "recruitingCategory": "Permanent Employee_New"
}