Credit Risk & ECL Expert

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.

We are looking for a Credit Risk & ECL Expert to join us at this pivotal moment, share our vision, and help shape the future of European banking.

What you will be doing?

• Execute and oversee credit risk provisioning calculations (IFRS9 and local reporting standards).
• Define, implement, and refine policies governing ECL methodologies and frameworks.
• Develop and maintain IT systems and tools to support automated ECL processing.
• Design, establish, and optimize data flows feeding central (UniCredit group-level) reporting engines and calculation platforms.
• Partner with cross-functional teams to deliver timely, accurate, and compliant risk reporting and forecasting.
• Drive efficiency through the automation of data workflows and reporting processes.

Skills you should have

• Proficiency in SQL.
• Proven experience in credit risk modelling and data analysis, specifically with PD, LGD, and CCF parameters.
• Advanced degree (B.S. or Master’s) in Finance, Statistics, Computer Science, Mathematics, or Econometrics.
• In-depth knowledge of IFRS9 standard and EBA regulatory requirements.
• Experience with enterprise data architecture, data warehousing, or central data integration pipelines is a strong plus.
• Excellent communication skills with full professional fluency in English and Polish.
• Nice to have
• Knowledge of Python.
• Google Cloud understanding.
• Experience in visualisation tools like Looker, Reporting Services.
• Git.

What we offer

You will get an opportunity to work in an innovative, digital bank applying state of the art approaches and technologies. Unless limited by banking regulations we offer a flexible form of contract. You will be provided an Individual Development Budget, dedicated to enhancing your professional skills. If your role permits, we also offer flexible work location: home/office - according to your preference. You and your closest family will be covered with VIP-level private medical care which includes dental treatment and a hospitalisation package. We care for our colleagues’ well being, therefore we cover psychological consultations if you ever feel you need such support. We co-sponsor your Multisport card and cover 50% of its cost. You will work on computer equipment that delivers the best user experience - Apple MacBook. Our office in Warsaw offers healthy snacks throughout the day.

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

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!