Credit Analyst (Retail Underwriting)

What we do?

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.

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.

What you will be doing?

• Underwriting & Analysis: Evaluate credit applications for retail products (loans, cards) by assessing creditworthiness and repayment capacity against bank risk policies.

• Decision Making: Approve, decline, or request further documentation for manual credit cases based on detailed financial analysis.

• Portfolio Management: Maintain portfolio quality and regulatory compliance by adhering to risk guidelines and industry best practices.

• Cross-Functional Collaboration: Partner with Sales, Risk, and Collections to streamline the underwriting lifecycle and address process bottlenecks.

• Strategy & Optimization: Recommend adjustments to credit policies and manual workflows to improve efficiency and adapt to market trends.

• Data Reporting: Utilize SQL (BigQuery) to extract data and generate insights on application trends and portfolio performance.

Skills you should have

•  2–5 years of experience in retail credit underwriting within banking.

• Proficiency in analyzing financial statements and credit reports to identify risk factors.

• Basic SQL (BigQuery) skills for data extraction and performance reporting.

• Ability to independently approve or decline applications with clear, documented rationale.

• Solid grasp of credit risk principles, retail banking products, and regulatory standards.

• Strong time management for fast-paced environments and a proactive mindset for process improvement.

• SoClear communication for stakeholder management and a collaborative, team-oriented approach.

• Polish C2, English B2

• Degree in Finance, Statistics, CS, Math, or Econometrics (preferred).

What we offer

Our process

Our note to you

We are an equal opportunity employer. We stand together in nurturing a workplace that welcomes diverse thinking and inclusive behaviors. By embracing diversity of thought and making all voices heard regardless of background, we drive innovation, sustainable growth, and new business opportunities. This inclusive approach enhances our work climate, directly boosting our people's productivity, well-being, and engagement.
Our Values - Integrity, Ownership, Caring - are more than just words. They are actions. Mandates. Pledges. When we all commit to these shared Values, we will deliver for our clients. And delivering for our clients - in any way, large or small - is how we fulfil our Purpose.
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. We appreciate your time and application. Please note that we reserve the right to contact selected candidates.

Good luck!