Position Overview

We are looking for a detail-oriented Fintech Lending Risk Analyst to evaluate credit risk and support responsible lending decisions across digital financial products. The role involves analysing borrower information, reviewing portfolio performance, identifying emerging risk patterns, and providing evidence-based recommendations to support sustainable lending operations.

The successful candidate will work with credit, data, product, and finance teams to improve risk assessment methods and help ensure that lending decisions are consistent, transparent, and commercially sound.

Key Responsibilities

• Analyse credit applications, borrower profiles, repayment histories, and other relevant financial indicators.

• Assess lending risk using established policies, analytical frameworks, and available customer data.

• Monitor loan portfolio performance, including arrears, defaults, repayment behaviour, and delinquency trends.

• Prepare recurring reports on credit exposure, portfolio quality, and changes in risk indicators.

• Identify patterns that may indicate deteriorating credit quality or weaknesses in existing assessment procedures.

• Support the evaluation and refinement of credit scoring rules and risk assessment models.

• Work with data analysts and engineering teams to validate source data and improve reporting accuracy.

• Document findings and communicate recommendations to relevant stakeholders.

• Support compliance with applicable consumer credit, data protection, and responsible lending requirements.

Candidate Requirements

• A degree in Finance, Economics, Statistics, Mathematics, Business Analytics, or a related field.

• Experience in credit risk, lending operations, financial analysis, or a comparable analytical position.

• Strong numerical reasoning and the ability to interpret financial and portfolio-performance data.

• Working knowledge of Excel and experience with SQL, Python, or business intelligence tools is beneficial.

• Understanding of credit scoring, probability of default, delinquency measures, and credit portfolio monitoring.

• High standards of accuracy, confidentiality, and professional judgement.

• Strong written communication skills and the ability to present analytical findings clearly.

• English proficiency is required; knowledge of Estonian or another European language is an advantage.

Performance Expectations

The successful candidate will produce reliable risk reports, identify meaningful changes in portfolio performance, and provide recommendations that help the business balance lending growth with appropriate risk controls.

Why This Opportunity

This position offers the opportunity to develop specialist expertise at the intersection of digital lending, financial analysis, and risk management while contributing to the responsible growth of technology-enabled financial services.

Are you interested in this position?

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

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