Whoever you are and whatever your role is, with us, you will get a once-in-a-lifetime opportunity to build a local banking champion.

Identify, assess, and manage credit risks across retail and small business lending portfolios.
Monitor portfolio performance and credit risk metrics, recommending actions to achieve risk appetite and business targets.
Contribute to the design, automation, documentation, and continuous improvement of credit risk reporting, analytics, and governance processes, ensuring high-quality insights, clear data logic, robust reporting standards, and effective portfolio-level risk management
Oversee of credit risk tools performance in context of business and risk targets and initiate data-driven improvements in risk rule definitions, affordability and offer calculations, to ensure profitable growth of the business and process efficiency
Provide requirements for lending automation projects and support translation of business needs into technical system requirements

3+ years in credit risk management in retail banking, or SME lending, with a focus on credit policy and rules development, risk modeling, or automated decision systems

Strong command of credit scoring models, risk engines, and decision making tools; proficiency in data analysis tools such as SQL, Python, or similar and in data visualization tool MS Power BI would be considered as advantage

Demonstrated ability to analyze credit portfolio performance and identify data-driven strategies to balance business growth with risk mitigation

Proven track record of working autonomously and with cross-functional teams to implement risk initiatives and influence business outcomes effectively

Contribute to the development, automation, standardization, and documentation of credit risk reporting and analytics to support portfolio-level risk management and informed decision-making

Higher degree in preferred fields: economics, finance, business management, statistics, or data science

Fluent English and local language is required in spoken and written communication due to working on the Pan-Baltic level

Flexibility. Flexible working hours, Hybrid work, and the possibility to work from anywhere in the EU, Iceland, Switzerland, and the UK (in total 90 days per year)
International teams. Teams that go outside Pan-Baltic borders, where people value challenging work together with good humor and having fun
Culture. You’ll be joining a team where things move fast, ideas flow freely, and change is part of the everyday. It’s a dynamic environment that keeps you learning, growing, and never bored
More vacation. Additional weeks of vacation are available to all employees who have been in the company for 1 year or more
Volunteer time off. We care about giving back to society, therefore, you will get additional days off for volunteering purposes
Paid leave. We are proud of our employees who are participating in military training.
Health benefits. A competitive benefits package in addition to your salary that includes health insurance after the first 3 months pass in all three Baltic states, as well as Health days in case of your absence due to sickness without a doctor’s note needed
Wellbeing. Access to tools and resources that help you feel good and be productive at work and in life
Professional growth. Internal and external training programs, LinkedIn learning, workshops, conferences, online training, etc
Gross salary. 3100-4700 EUR/month, which is to be determined depending on your level of experience and competencies

Are you interested in this position?

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