Job Description

Credit Risk & Portfolio Manager

Y ou will be responsible for the performance and development of ESTO’s credit portfolio in Estonia, analyzing portfolio dynamics and credit risk to improve underwriting models, limits, and risk policies.

You will also collaborate with data and product teams to enhance data quality, expand external data sources, and support the development of ESTO’s credit decisioning infrastructure.

KEY RESPONSIBILITIES:

Credit portfolio ownership

Monitor and analyze the performance of ESTO’s credit portfolio in Estonia, including default rates, yield, approval rates, and portfolio characteristics

Identify trends in portfolio quality and propose improvements to underwriting policies, limits, and credit rules

Credit analytics and reporting

Maintain a clear analytical overview of approval rates, rejection reasons, risk segmentation, and portfolio performance

Channel risk analysis

Analyze credit quality and yield across traffic sources, including merchants, brokers, marketing channels, and partner integrations

Data infrastructure and integrations

Identify new local data sources to improve underwriting and credit decisioning

Work with data and credit operations teams to implement new data integrations and maintain strong data quality

Support improvements to the credit decisioning infrastructure by translating business needs into technical specifications

Data science collaboration

Provide analytical insights to support the development and calibration of proprietary credit scoring models and machine-learning-based default scores

Contribute local market insights to refine risk segmentation and predictive models

User tiering and limit calibration

Analyze user behavior and portfolio performance to improve user tiering frameworks and credit limits

Credit governance

Work with the CEO and local management to ensure strong credit governance and monitor credit risks in the Estonian portfolio

REQUIREMENTS:

• 3–7+ years of experience in credit risk, lending analytics, portfolio management, or consumer finance

• Strong understanding of credit underwriting, portfolio metrics, and risk segmentation

• Experience analyzing default rates, yield, approval rates, and cohort performance

• Ability to translate analytical insights into improvements in credit policies, limits, and underwriting logic

• Experience collaborating with data teams or data scientists on credit models or analytics initiatives

• Familiarity with credit decisioning systems, scorecards, or risk models is an advantage

• Experience working with external credit data sources or financial data providers is beneficial

• Strong analytical and problem-solving skills, with the ability to work with complex datasets

• Ability to collaborate cross-functionally with product, data, engineering, and local teams

• Strong communication skills and ability to present insights to senior stakeholders

• Fluency in English; Estonian is a strong advantage

WE OFFER:

🌟 Be Part of Something BIG: Gain hands-on experience in a fast-growing fintech company.

🤝 Work with the Best: Join a tight-knit, highly skilled team where open communication and collaboration drive success.

🏡 Work Your Way: Enjoy a hybrid setup, balancing office time and remote work to suit your lifestyle.

🛡️ We’ve Got You Covered: Benefit from sick leave compensation, additional health days, and a flexible work environment that prioritizes your well-being.

🎉 Stay Active and Connected: Take birthday leave, join fun team events, and enjoy plenty of opportunities to unwind.