Group Credit Risk Expert - Underwriting (all genders)

Addiko Bank is an unconventional bank striving for specialization instead of universality. Our mission is to deliver a modern customer experience based on convenience and speed. We emphasize cohesion, diversity, fostering talent and equality while always maintaining the success of Team Addiko at the core of our entrepreneurial values. We are looking for highly driven professionals who are eager to become part of a Consumer and SME focused specialist network in Central and Southeastern Europe.

To strengthen our team and to achieve our entrepreneurial mission and vision, we are looking for a:

Are you a seasoned Credit Risk professional who loves complexity, collaboration, and turning data into sound decisions? Are you ready to take the lead on meaningful, high impact credit risk work? Then join Team Addiko and help shape high quality, future ready credit risk practices across six markets.

• As Group Credit Risk Expert for Underwriting, you review and respectfully challenge group level and local credit applications to ensure they are complete, consistent, and fully decision ready.
• You support the refinement and ongoing development of policies, guidelines, manuals, and processes related to Corporate Credit Risk Management.
• In your role, you lead periodic portfolio quality calls for your assigned countries—identifying early warning signals, defining action plans, and ensuring disciplined follow up.
• You drive initiatives to improve automation and support the integration of AI assisted underwriting tools.
• You evaluate the quality of Credit Risk processes (loan processing, monitoring, reporting) and conduct deep portfolio screenings to generate actionable insights and risk reports.
• The coordination of Group Credit Risk Management activities falls under your governance, with the aim of fostering strong, diplomatic collaboration between local teams and senior management.
• You take on additional responsibilities defined by the department head, aligned with strategic and operational priorities.

• You bring several years of experience in Corporate Credit Risk - ideally within a banking group or multi country setup.
• You have had hands on exposure to high-risk client management, credit applications and approvals, and active participation in credit committees.
• You understand ESG related risk considerations and have been involved in cross functional or transformation projects.
• You are proficient with Microsoft Office 365; experience with Power BI and portfolio monitoring tools is a strong plus.
• You know your way around corporate and SME credit processes, budgeting and forecasting analysis, client analysis, credit writing, and formulating risk opinions.
• You communicate clearly and structured, think analytically, and navigate stakeholders with ease and professionalism.
• You work with precision, reliability, initiative, and a collaborative mindset - thriving in a dynamic, evolving environment.
• You are fluent in English.

Addiko Bank is committed to equal opportunities and diversity. We actively promote equity and inclusion in our workplace and in the communities we serve, ensuring a culture where everyone feels welcome and valued.

By joining Team Addiko, you will step into an inspiring environment that fosters innovative ideas and a sense of togetherness. Here, feedback is valued, and human connections are nurtured. It is a culture where “we” means everyone has their own “I” – and yet every individual is a vital part of the team.

Can you see yourself joining our team of unconventional bankers? If so, we would be happy to receive your application.