Company Overview

The organization operates within the financial technology sector, developing digital financial services that simplify access to credit, improve lending efficiency, and support data-driven financial decision-making. Its operating environment combines financial services, digital platforms, automated workflows, and technology-enabled customer experiences.

As digital lending continues to evolve, the organization is strengthening its operational capabilities to support efficient loan processing, accurate financial records, and responsible credit administration.

The company is seeking a detail-oriented professional with a strong understanding of financial operations and digital lending processes. The successful candidate will contribute to the effective management of lending activities while supporting operational accuracy, process improvement, and the consistent delivery of digital financial services.

Role Summary

The Digital Lending Operations Analyst will support the administration, monitoring, and optimization of digital lending operations. The position involves reviewing loan applications, monitoring lending workflows, maintaining accurate loan records, and coordinating the resolution of operational exceptions.

The successful candidate will work closely with credit risk, finance, compliance, product, and technology teams to ensure that lending processes are executed efficiently and in accordance with established procedures.

This role requires strong analytical skills, an understanding of lending operations, and the ability to work with financial data and digital systems. The analyst will also contribute to process improvements that enhance operational efficiency and support responsible lending practices.

Key Responsibilities

• Monitor digital lending workflows, ensuring loan applications progress through the appropriate operational stages.

• Review loan application records and supporting documentation for completeness, consistency, and accuracy.

• Support loan origination, approval administration, disbursement coordination, and repayment processing activities.

• Maintain accurate loan records, customer account information, repayment schedules, and operational documentation.

• Investigate discrepancies involving loan balances, repayment allocations, disbursement records, and customer account activity.

• Coordinate with credit risk and compliance teams to resolve application exceptions and documentation issues.

• Monitor repayment performance and identify operational issues affecting loan servicing activities.

• Prepare lending operations reports covering application volumes, processing timelines, repayment activity, and outstanding exceptions.

• Support the reconciliation of loan disbursement and repayment records against financial transaction data.

• Identify opportunities to improve lending workflows, reduce manual processing, and strengthen operational controls.

• Collaborate with product and engineering teams to report system issues affecting lending operations.

• Assist in the testing and implementation of enhancements to lending platforms and operational tools.

• Maintain documentation relating to lending procedures, exception management, and internal operational standards.

• Support the implementation of appropriate customer information protection and financial recordkeeping practices.

Requirements and Qualifications

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

• At least three years of experience in lending operations, digital banking, credit administration, financial services, or fintech operations.

• Understanding of loan origination, repayment processing, loan servicing, and credit administration workflows.

• Familiarity with financial transaction records, reconciliation procedures, and operational reporting.

• Strong analytical skills and the ability to investigate financial discrepancies.

• Proficiency in Microsoft Excel and experience working with financial or operational data.

• Familiarity with loan management systems, digital lending platforms, or financial workflow applications.

• Understanding of internal controls, customer data confidentiality, and responsible lending practices.

• Strong organizational skills and the ability to manage multiple operational priorities.

• Excellent written and verbal communication skills.

• Professional proficiency in English. Knowledge of Estonian is an advantage.

Benefits

• Remote working flexibility within Estonia.

• Competitive compensation based on professional experience and qualifications.

• Opportunity to work within a developing digital lending and financial technology environment.

• Exposure to modern lending platforms, automated financial workflows, and digital banking processes.

• Professional development opportunities in lending operations, credit administration, and fintech services.

• Collaborative working environment with finance, risk, compliance, and technology professionals.

• Opportunities to contribute to process improvements and operational efficiency initiatives.

Application Instructions

Interested candidates should submit an updated CV highlighting their experience in digital lending, loan administration, financial operations, or credit servicing.

Applications should demonstrate practical experience with lending workflows, financial records, reconciliation procedures, and operational reporting.

Candidates are encouraged to describe previous lending-related projects and explain how their contributions improved processing accuracy, operational efficiency, or the quality of financial records.

Are you interested in this position?

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

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