WHAT WE DO?

Aion Bank is a fully regulated European bank and credit institution that combines Vodeno’s proprietary, private blockchain-based platform with its ECB banking license, balance sheet and regulatory and compliance expertise to offer a comprehensive suite of embedded banking products.
Aion has a track record of delivering fully compliant embedded banking solutions to retailers, eCom/marketplaces, banks/neobanks and fintechs, creating a better customer experience that drives conversion, increases engagement and fosters loyalty.
Aion Bank is currently active in Belgium, Germany, Poland and Sweden, including a retail business in both Belgium and Poland.
Our biggest strength is our people - a group of highly intelligent, creative, result-driven and ambitious individuals who always rise to the challenge. Together, we create a positive, energetic and fast-paced work environment. We stay professional in getting things done, but remember not to leave our passion and fun behind.
We are currently looking for a SME Credit Risk Analyst ready to join our adventure and share our ambition.

SKILLS YOU SHOULD HAVE

• B.S. or Master’s Degree in finance, banking, statistics or related
• At least 5 years of experience in credit risk area of SME clients
• Solid understanding of financial statements, ability to analyze them and draw conclusions
• Good Knowledge of SME credit risk processes
• Good Knowledge of collaterals with emphasis on Polish regulatory requirements
• Experience in banking sector (especially Poland)
• Understanding of credit bureaus and the type of data provided by them
• Good knowledge of SQL will be a significant advantage
• Analytical skills
• Ability to efficiently communicate in both: Polish and English languages

ABOUT US

Read more about what we do on our website

• Analysing small and medium size business clients in granting and monitoring processes
• Developing and managing SME credit risk processes and flows (Overdraft / Revolving / Investment Loans)
• Preparing SME credit risk policies for credit products
• Preparing analysis of financial standing, financial ratios and payment capacity
• Recommending credit structures, decisions and covenants
• Monitoring of business Clients based on defined level of risk appetite
• Testing of developed processes
• Assisting and working together with sales, business, legal and collection teams for introduction and management of credit products