Senior Credit Analyst

5 days ago

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

Senior Credit Analyst ( Group )

We're looking for an analytical, technical, and results-oriented
Senior Credit Analyst
to join our centralized Credit team. You'll take ownership of key credit risk analyses, automate critical reporting, and uncover insights to improve decision-making across Baltics.

KEY RESPONSIBILITIES

Credit Reporting & Automation:

  • Build, maintain, and enhance automated credit risk reports and dashboards that deliver clear, actionable insights at the group level.

Portfolio Performance Analysis:

  • Conduct in-depth analyses to get insights, identify risks, and propose improvements to credit risk strategies across all markets and products.

Underwriting Analytics Support:

  • Source, define, and deliver key analytical inputs from daily underwriting data to the Data Science team, supporting the continuous development of scoring models and decision flows.

Cross-Functional Collaboration:

  • Act as a strategic analytical partner between Regional, Data Science, and Decision Engine teams, ensuring local performance insights effectively inform group-level credit strategies.

Continuous Improvement & Insight Development:

  • Identify process gaps and performance bottlenecks, propose data-backed solutions, and contribute to the ongoing development of ESTO's credit analytics infrastructure.

REQUIREMENTS

  • 3+ years of experience in credit risk analysis, analytics, or portfolio management, ideally in fintech, banking, consumer finance, or similar industries.
  • Strong analytical, quantitative, and problem-solving skills, with expertise in SQL, Python, Excel, or similar analytics tools.
  • Experience building and automating analytical reports or dashboards.
  • Track record of delivering actionable insights that shape strategy and influence outcomes.
  • Fluency in English (written and spoken); proficiency in Estonian, Latvian, or Lithuanian is a strong plus.
  • Excellent communication and collaboration abilities, with the confidence to present complex findings to both technical and non-technical audiences.

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.

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