Chief Credit Officer

22 hours ago

Tallinn, Harjumaa, Estonia ESTO Group Full time €90,000 - €120,000 per year

We're seeking a strategic and experienced CCO to lead ESTO's Credit Department. You'll own our credit risk vision, strategy, and execution, balancing ambitious growth with strong portfolio quality and sustainable profitability.

This role connects regional credit leads, analytics, data science, scoring models, fraud prevention, and risk-based pricing to build a best-in-class risk framework for responsible credit at ESTO.

KEY RESPONSIBILITIES:

  • Strategic Leadership & Team Building: Build and lead ESTO's centralized Credit Department - overseeing regional Credit Managers, Portfolio Management, Fraud Management, and Credit Intelligence teams.
  • Integrated Credit Growth & Risk Management: Develop and implement cohesive credit strategies, balancing ambitious growth objectives with sustainable portfolio quality and profitability across the Baltics.
  • Proprietary Scoring & Credit Intelligence: Oversee ESTO's proprietary credit scoring with Data Scientists, fraud scoring, and conversion scoring models - driving continuous improvement through advanced analytics and machine learning.
  • Centralized Limits & Pricing Strategy: Collaborate with underwriting managers on the centralized credit limit and pricing frameworks, harmonizing local scorecards and pricing logic to ensure consistency and optimized profitability across markets.
  • Portfolio Analytics & Reporting: Lead comprehensive group-level credit reporting and analytics, ensuring seamless integration of local insights into actionable strategic decisions.
  • Cross-Functional Collaboration: Foster strong relationships and active collaboration with the Product, Data Science, Finance, Operations, and Legal teams to align credit decisions with broader business goals.

REQUIREMENTS:

  • 5+ years of senior experience in credit risk management, analytics, underwriting, or related fields, preferably within fintech, banking, or consumer finance.
  • Proven track record in building and managing high-performing credit risk teams across multiple markets.
  • Deep expertise in credit scoring, decision engine optimization, and advanced analytics (experience with SQL, Python, or other analytical tools preferred).
  • Strong strategic mindset combined with hands-on operational leadership.
  • Excellent ability to manage complex stakeholder relationships and effectively communicate risk strategies at the executive and board level.
  • Fluency in English is required; Estonian, Latvian, or Lithuanian is a strong plus.

WE OFFER
Be Part of Something BIG:
Gain hands-on experience in a fast-growing fintech company.

Work with the Best:
Join a tight-knit, highly skilled team where open communication and collaboration drive success.

Work Your Way:
Enjoy a hybrid setup, balancing office time and remote work to suit your lifestyle.

We've Got You Covered:
Benefit from sick leave compensation, Stebby, additional health days, and a flexible work environment that prioritizes your well-being.

Stay Active and Connected:
Take birthday leave, join fun team events, and enjoy plenty of opportunities to unwind.

  • Chief Commercial Officer

    22 hours ago

    Tallinn, Harjumaa, Estonia Omniva Full time €90,000 - €120,000 per year

    We're looking for a results-driven Chief Commercial Officer (CCO) to join our Executive Team and lead the commercial transformation of one of the Baltics' most recognized delivery brands.ChallengeOmniva stands at a pivotal moment in its journey. As a state-owned company preparing for potential privatization, we are undertaking one of the most significant...

  • Chief Customer Operations Officer

    2 weeks ago

    Tallinn, Harjumaa, Estonia CR14 Full time €90,000 - €120,000 per year

    Join the world's best Cyber Range teamCR14 is a leading European center for cyber innovation and defense. Our specialty is large cyber ranges and organizing large-scale cyber exercises, helping NATO and our partners enhance their cyber defense capabilities.If you feel inspired to contribute to the security of Estonia and NATO more broadly, join our teamWe...

  • Chief Legal Officer

    1 week ago

    Tallinn, Harjumaa, Estonia Wallester Full time €60,000 - €180,000 per year

    About UsWallester is a cutting-edge financial technology company that specializes in providing innovative solutions for businesses seeking to modernize their payment systems. By offering white-label card issuance platforms, seamless integration with existing infrastructure, and comprehensive support for both digital and physical cards, Wallester empowers...

  • Fraud Manager

    3 days ago

    Tallinn, Harjumaa, Estonia Bondora Full time €90,000 - €120,000 per year

    At Bondora, our mission is clear: to empower people to enjoy life more while alleviating the stress of managing finances. Founded in 2008, Bondora has proudly served a diverse community of over 1 million customers for an impressive 16 years.As a rapidly growing financial technology company, we're reaching new heights with a bold vision. We're set to acquire...

  • Regulatory Compliance Officer

    3 days ago

    Tallinn, Harjumaa, Estonia Satispay Full time €40,000 - €80,000 per year

    Regulatory Compliance Officer Please note that this opportunity requires relocation to our Luxembourg office. About Satispay Satispay was born to revolutionise everyday payments – making them simple, fair, and accessible to everyone. Now, the focus has moved even further, aiming to shape the future of money. We're a movement empowering millions of...

  • Regulatory Compliance Officer

    3 days ago

    Tallinn, Harjumaa, Estonia Satispay Full time €40,000 - €60,000 per year

    Regulatory Compliance OfficerPlease note that this opportunity requires relocation to our Luxembourg office.About Satispay Satispay was born to revolutionise everyday payments – making them simple, fair, and accessible to everyone. Now, the focus has moved even further, aiming to shape the future of money. We're a movement empowering millions of people,...

  • Head of Trade Finance

    7 days ago

    Tallinn, Harjumaa, Estonia $SRC Ecosystem Full time €90,000 - €120,000 per year

    Job Title: Head of Trade FinanceLocation: RemoteDepartment: Sales, Business Development & OperationsReports to: Chief Executive Officer (CEO)Payment: allocation in $SRC token + commission from successful tradeAbout $SRC Ecosystem$SRC Ecosystem is a next-generation AI-powered trade finance infrastructure built on blockchain. Designed to digitize global trade,...

  • Risk Analyst

    3 days ago

    Tallinn, Harjumaa, Estonia Citadele banka Estonian Branch Full time €40,000 - €80,000 per year

    Citadele is an innovative and data-driven bank with a strong focus on digital solutions. We are constantly looking for innovation and new solutions in what we do. Here is an opportunity for an experienced professional whose ambitions, work ethic, and enthusiastic personality match our own.Join Us to Shape the Future of Responsible Lending.Are you ready to...

  • Global Finance Intelligence Manager

    5 days ago

    Tallinn, Harjumaa, Estonia ESTO Full time €90,000 - €120,000 per year

    Global Finance Intelligence Manager ESTO is looking for a Global Finance Intelligence Manager to own portfolio analytics and financial data insights across all markets. You'll sit at the intersection of finance, credit, data, and strategy - building reporting frameworks, uncovering performance drivers, and turning data into actionable insights that guide...

  • Global Finance Intelligence Manager

    5 days ago

    Tallinn, Harjumaa, Estonia ESTO Group Full time €60,000 - €120,000 per year

    JOB TITLEESTO is looking for a Global Finance Intelligence Manager to own portfolio analytics and financial data insights across all markets. You'll sit at the intersection of finance, credit, data, and strategy - building reporting frameworks, uncovering performance drivers, and turning data into actionable insights that guide business decisions. This is a...