Assess Creditworthiness with Purpose – Dive into mortgage and consumer credit applications to support individuals and families in reaching their goals in a responsible and sustainable way;

Make Decisions That Matter – Apply your expertise to make timely, data-driven credit decisions that thoughtfully balance opportunity with risk;

Drive Strategic Improvements – Use your insights to refine credit processes, increase portfolio profitability, and reduce non-performing loans;

Collaborate and Inspire –    Share your knowledge with colleagues and contribute to a culture of continuous learning and teamwork;

Shape Policy and Practice – Play a key role in developing and refining internal credit risk procedures.

Hold a university degree in finance, law, economics, or a related field;

Bring 3+ years of experience in financial services or credit products;

Are confident in credit analysis and data interpretation; 

Thrive both independently and in a team;

Speak Estonian (C2) and English (C1) fluently, other languages will be your advantage;

Are open to shift work, including some weekends (by schedule).