Company Overview

We operate within the financial technology industry, supporting technology-enabled lending and digital credit services. Our focus includes efficient credit administration, responsible lending practices, portfolio performance analysis, and the use of financial technology to improve credit decision-making and loan management.

We are looking for a Digital Lending Portfolio Monitoring Specialist to strengthen our credit portfolio oversight and support the evaluation of lending performance across digital financial products.

Role Summary

The Digital Lending Portfolio Monitoring Specialist will analyse loan portfolio performance, monitor repayment behaviour, evaluate delinquency trends, and prepare reports that support credit risk management and lending operations.

The role requires a combination of financial analysis, credit portfolio knowledge, and an understanding of technology-driven lending platforms. The successful candidate will help identify emerging portfolio risks and provide meaningful insights into the performance of digital lending products.

Key Responsibilities

• Monitor the performance of digital loan portfolios across different customer segments and lending products.

• Analyse repayment patterns, delinquency movements, outstanding balances, and loan ageing reports.

• Identify early warning indicators associated with deteriorating credit performance.

• Evaluate portfolio trends using repayment rates, default indicators, collection performance, and exposure metrics.

• Prepare periodic credit portfolio reports for risk management and lending operations teams.

• Review loan performance data to identify unusual repayment behaviour and potential credit deterioration.

• Support the assessment of loan concentration risks across customer categories and lending products.

• Collaborate with credit analysts and collections teams to investigate portfolio performance concerns.

• Maintain accurate portfolio monitoring records and reporting documentation.

• Recommend improvements to portfolio monitoring procedures and credit performance reporting.

• Assist with the evaluation of lending product performance and changes in borrower repayment behaviour.

Requirements and Qualifications

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

• Previous experience in credit analysis, loan administration, portfolio monitoring, or financial risk operations.

• Understanding of digital lending products, loan repayment structures, and credit portfolio management.

• Knowledge of delinquency classifications, non-performing loans, and credit performance indicators.

• Strong Excel skills and experience working with financial datasets.

• Familiarity with SQL, Power BI, Tableau, or other analytical reporting tools is advantageous.

• Ability to interpret financial information and identify emerging portfolio risks.

• Strong numerical reasoning, attention to detail, and report-writing skills.

• Understanding of responsible lending principles and European financial services practices is beneficial.

Benefits

• Fully remote working arrangement within Estonia.

• Opportunity to work within the growing digital lending and credit technology sector.

• Exposure to modern credit analytics and portfolio monitoring systems.

• Professional development in financial risk and digital lending operations.

• Collaborative environment involving credit, finance, and technology professionals.

• Opportunity to contribute to improved lending performance and responsible credit management.

Application Instructions

Interested candidates should submit an updated CV highlighting relevant experience in credit analysis, digital lending, loan administration, or portfolio risk monitoring. Applicants should demonstrate their ability to interpret financial data and produce meaningful credit performance insights.

Are you interested in this position?

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

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