Credit Risk Expert

Credit Management Team is seeking a proactive Specialist to support risk assessment and decision-making across B2D and B2B portfolios (fleets, dealers), with a focus on data-driven analyses, independent risk decisions within defined competencies, and clear English communication. This role offers the opportunity to influence credit risk processes and reporting in a fast-paced environment.What awaits you?Direct support of credit risk assessment and decision-making for B2D (mainly) and B2B portfolios.Opportunity to work with and enhance CRS, guarantees, and collateral verifications.Collaboration with Sales, Collections, Finance and international BMW SF community to implement remediation actions and protect portfolio quality.Involvement in risk dashboards, reporting templates, and ad-hoc analyses.A clear path for professional development in credit risk within BMW FS Polska.What should you bring along?Professional experience: at least 3 years in credit analysis for entities with full financial statements.Decision-making: ability to make credit decisions independently within established BMW SF competency levels (low and medium risk).Communication: ability to distil conclusions and present recommendations to the Local Credit Risk Committee in English.Analytical skills: strong data interpretation and synthesis; ability to prepare concise, decision-oriented analyses.Tools: Advanced Excel; proficient in PowerPoint; familiarity with risk management tools and Dealer Front End System.Education And QualificationsUniversity degree in Finance, Economics, Business Administration, or related field; advanced degrees or relevant certifications are a plus.Proficiency in English (written and spoken) at a good level.What We Expect From You In PracticeMaintain high data quality in risk systems; ensure accurate reflection of risk positions in reporting.Support risk governance through participation in local risk committee activities with robust analyses and documentation.Proactively monitor risk indicators and respond to early warning signals.Collaborate with stakeholders across Finance, Collections, and IT to continuously improve risk processes.What We OfferOpportunities for professional development and international exposure.Collaborative and inclusive work environment.Flexible work arrangements where applicable.Private medical care.Sharing the costs of sports activitiesHow To ApplyPlease submit your CV and a cover letter in English outlining your relevant experience and motivation for the role.NotesThis job description reflects core responsibilities and capabilities and may be adjusted to align with evolving business needs and regulatory changes.Credit Risk Expert20251031AutomotiveWarsawPolandLegal EntityBMW Financial Services Polska Sp.Z.O.O.Location:WarsawJob FieldCreditJob Id172458Publication Date31.10.2025GeneralFull-timePrint Page