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Description
About the role
We are hiring an SME Financing Credit Manager to own the performance and growth of our lending portfolio in Estonia – analyzing portfolio and credit risk data to refine underwriting models, limits, and risk policies.
What You’ll Do:
Credit portfolio management
- Own and monitor the performance of financing portfolio in Estonia, including approval rates, default rates, yield, and portfolio quality.
- Identify risk trends and recommend improvements to underwriting policies, credit limits, and decision rules for small business customers.
Credit analytics & risk monitoring
- Analyze portfolio performance, risk segmentation, approval rates, rejection reasons, and channel quality across merchants, partners, brokers, and marketing sources.
- Provide regular reporting and actionable insights to support risk management and portfolio growth.
Data, decisioning & models
- Identify and integrate new data sources to strengthen underwriting, credit decisioning, and data quality for SME lending.
- Collaborate with data science and operations teams on credit scoring models, default prediction, risk segmentation, and decisioning infrastructure.
Customer segmentation & governance
- Optimize customer tiering frameworks and credit limits based on behavioral and portfolio analysis.
- Work closely with the CCO and local management to support credit governance and risk oversight.
What We Expect:
- 3–7+ years of experience in credit risk, lending, portfolio management, SME/business finance, or a related analytical role.
- Strong understanding of credit underwriting, portfolio performance metrics, risk segmentation, and lending economics.
- Proven ability to analyze portfolio performance and translate insights into improvements in credit policies, limits, and decisioning strategies.
- Experience working with credit scoring models, decisioning systems, data scientists, or analytics teams.
- Familiarity with external credit data sources and risk modeling approaches is a plus.
- Strong analytical, problem-solving, and data interpretation skills.
- Ability to collaborate effectively across business, product, data, engineering, and local market teams.
- Excellent communication skills, with the ability to present insights and recommendations to senior stakeholders.
Nice to have
- Fluency in both English and Estonian is a strong advantage.
Why You’ll Love Working Here:
• 28 days annual leave + public holidays + your birthday off, always
• Hybrid work with flexible hours
• Paid sick leave + 3 wellbeing days
• Modern, pet-friendly office in the heart of Tallinn
• Fully stocked kitchen: snacks, fruit & drinks
• Monthly Stebby allowance for sports & wellness
• Collaborative, multicultural team
• Regular events & offsites
• Room to bring ideas and make real impact
🌍 Equal Opportunity Employer
We value diversity and inclusion, and we’re committed to a workplace where everyone feels welcome, has equal opportunities, and is treated fairly.
Are you interested in this position?
Apply by clicking on the “Apply Now” Button below!
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#CareerOpportunities #HiringNow
#JobSeekersNetwork #EstoniaJobs
#RecruitmentServices #EmploymentPortal.
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