Company Overview

The organisation operates in the fintech and digital lending industry, providing technology-enabled credit services and automated financial solutions. Its business model focuses on responsible lending practices, efficient credit assessment, portfolio monitoring, and data-driven financial decision-making.

Role Summary

The Digital Lending Portfolio Analyst will monitor the performance and risk characteristics of digital lending portfolios across financial products. The role involves analysing repayment behaviour, evaluating credit portfolio trends, identifying emerging default risks, and preparing reports that support lending strategy and portfolio management.

The successful candidate will work closely with credit risk, finance, data analytics, and lending operations teams to improve portfolio performance and support informed credit decisions.

Key Responsibilities

• Monitor the performance of active digital lending portfolios and credit products.

• Analyse repayment trends, delinquency levels, default rates, and portfolio exposure.

• Prepare regular reports covering lending performance and credit risk indicators.

• Identify emerging risk patterns across customer segments and lending products.

• Evaluate the effectiveness of existing credit policies and portfolio monitoring procedures.

• Analyse loan repayment behaviour and identify factors contributing to payment delays.

• Support the development of portfolio performance dashboards and analytical reports.

• Conduct historical credit performance analysis to identify changing risk conditions.

• Collaborate with credit risk teams to recommend appropriate portfolio improvements.

• Monitor lending concentration and exposure across relevant customer categories.

• Assist with forecasting portfolio performance and potential credit losses.

• Maintain accurate analytical records and documentation for internal reviews.

Requirements and Qualifications

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

• At least three years of experience in credit analysis, lending operations, portfolio analytics, or financial risk.

• Strong understanding of credit portfolios, loan performance, and repayment structures.

• Advanced Microsoft Excel and practical SQL skills.

• Experience with Power BI, Tableau, or similar reporting platforms.

• Ability to interpret financial data and identify portfolio risk indicators.

• Understanding of delinquency analysis, default rates, and credit performance metrics.

• Strong numerical, analytical, and presentation skills.

• Knowledge of European consumer lending practices is an advantage.

Benefits

• Fully remote working arrangement within Estonia.

• Competitive employment package reflecting experience and analytical capabilities.

• Opportunities for professional development in digital lending and credit risk.

• Access to modern financial analytics and reporting technologies.

• Collaborative working environment with experienced finance professionals.

• Opportunities to contribute to data-driven lending strategies.

Application Instructions

Candidates should submit an updated CV outlining their experience in credit portfolio analysis, lending operations, financial reporting, and risk assessment. Applicants should highlight their proficiency in analytical tools and experience interpreting lending performance data.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

#JobsHubEstonia #GlobalRecruitment
#CareerOpportunities #HiringNow
#JobSeekersNetwork #EstoniaJobs
#RecruitmentServices #EmploymentPortal.