🏢 Company Overview

The organisation operates within the digital banking, financial technology, and lending services industry, supporting technology-enabled financial products and credit solutions. Its activities focus on responsible lending practices, effective credit assessment, portfolio monitoring, and the use of financial data to support informed credit decisions.

📌 Role Summary

The Banking Credit Risk Assessment Manager will oversee credit risk assessment activities and support the development of effective lending risk management processes across digital banking products.

The role involves evaluating credit applications, reviewing borrower financial information, monitoring portfolio performance, and identifying potential risks associated with lending activities. The successful candidate will work closely with lending operations, finance, compliance, and data analytics teams to improve credit assessment standards and strengthen portfolio quality.

This opportunity is suited to an experienced banking professional with a solid understanding of credit analysis, lending operations, financial risk evaluation, and regulatory requirements.

🔑 Key Responsibilities

• Oversee credit risk assessment processes for digital banking and lending products.

• Evaluate credit applications and assess borrower financial information.

• Review income records, repayment capacity, credit histories, and existing obligations.

• Develop and improve credit assessment procedures and internal lending guidelines.

• Monitor loan portfolio performance and identify emerging credit risk trends.

• Analyse repayment behaviour, delinquency rates, and default indicators.

• Support the development of credit scoring and risk classification models.

• Prepare credit risk reports and portfolio performance assessments.

• Collaborate with lending teams to review complex credit applications.

• Recommend appropriate risk mitigation measures and credit controls.

• Monitor changes in regulatory requirements affecting banking and lending operations.

• Coordinate with compliance teams to maintain appropriate credit documentation.

• Identify opportunities to improve credit assessment efficiency through automation and data analytics.

🎓 Requirements and Qualifications

• Bachelor’s degree in Banking and Finance, Economics, Accounting, Mathematics, or a related discipline.

• Minimum of 5 years of experience in banking, credit analysis, lending operations, or financial risk management.

• Strong understanding of credit assessment and lending principles.

• Experience analysing borrower financial information and repayment capacity.

• Knowledge of credit scoring, portfolio monitoring, and default risk assessment.

• Familiarity with financial modelling and credit risk reporting tools.

• Advanced Excel skills; knowledge of SQL or Python is an advantage.

• Understanding of banking regulations and responsible lending requirements.

• Strong analytical judgement and decision-making abilities.

• Excellent communication and stakeholder management skills.

🎁 Benefits

• Fully remote working arrangement within Estonia.

• Opportunities to contribute to digital lending and banking innovation.

• Exposure to modern credit risk technologies and financial analytics.

• Continuous professional development.

• Collaborative international financial services environment.

• Opportunities for long-term career advancement.

📩 Application Instructions

Interested candidates should submit an updated CV detailing their experience in credit risk management, banking operations, lending assessment, and financial analysis. Applicants should highlight their knowledge of credit evaluation methodologies, portfolio monitoring, and risk management procedures.

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