Position Overview

We are seeking a highly organised and analytical Fintech Digital Banking Operations Analyst to support the daily operation, monitoring, and continuous improvement of digital banking services in Estonia. The successful candidate will help ensure that digital account services, customer transactions, internal workflows, and banking-related processes operate accurately, efficiently, and in accordance with established procedures.

As financial services increasingly rely on digital platforms, dependable operations are essential to maintaining customer confidence and service quality. In this role, you will work closely with payments, customer support, technology, finance, and compliance teams to investigate operational discrepancies, monitor service performance, and improve processes across the digital banking environment.

This opportunity is suited to a professional who combines strong analytical skills with practical knowledge of financial operations and an interest in technology-driven banking services.

Key Responsibilities

• Monitor daily digital banking activities, including account servicing, transaction processing, payment status updates, and operational exceptions.

• Review transaction records and investigate discrepancies between internal systems, customer account information, and payment service providers.

• Support the resolution of failed transactions, delayed transfers, duplicate entries, and other operational issues.

• Analyse operational data to identify recurring service problems, processing delays, and opportunities to improve workflow efficiency.

• Prepare daily, weekly, and monthly reports covering transaction volumes, exception rates, service performance, and outstanding operational cases.

• Collaborate with technical teams to investigate platform incidents and validate corrective actions.

• Assist with the testing of new digital banking features, system updates, and process enhancements before deployment.

• Maintain accurate operating procedures, reconciliation records, and internal documentation.

• Support customer service teams by investigating complex account and transaction enquiries.

• Follow internal controls for customer information, transaction handling, access permissions, and operational approvals.

• Contribute to service-quality reviews and recommend practical improvements that reduce errors and manual processing.

• Escalate suspected fraud, compliance concerns, or material operational incidents to the appropriate specialist teams.

Candidate Requirements

• A degree or equivalent qualification in Finance, Banking, Economics, Business Administration, Accounting, or a related discipline.

• Previous experience in banking operations, fintech operations, payment services, transaction processing, or financial services support.

• Understanding of digital banking workflows, electronic payments, account servicing, and transaction reconciliation.

• Strong numerical reasoning and the ability to investigate financial discrepancies systematically.

• Good working knowledge of Microsoft Excel; experience with SQL, Power BI, or other reporting tools is an advantage.

• Familiarity with ticketing systems, operational dashboards, and financial transaction platforms.

• Ability to manage multiple cases while maintaining accuracy and meeting service deadlines.

• Clear communication skills and the ability to collaborate across business and technical teams.

• Understanding of data confidentiality, operational risk, and applicable financial services controls.

• Professional proficiency in English; Estonian language skills are beneficial.

Key Performance Expectations

Success in this role will be measured by the accuracy of operational reporting, timely resolution of exceptions, reduction of recurring processing errors, quality of documentation, and effectiveness in coordinating with other teams. The analyst will also be expected to identify opportunities for automation and process standardisation.

What This Opportunity Offers

This position provides an opportunity to develop specialist expertise in digital banking operations within Estonia’s technology-oriented financial services sector. You will gain exposure to payment workflows, financial systems, operational controls, and service improvement initiatives while contributing directly to the reliability of digital banking products.

Are you interested in this position?

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

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