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.