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ESTO career site
Risk Team · Tallinn · Hybrid

Data Scientist

We get it—data scientists want to focus on modeling, not engineering tasks. That’s why our data platform team handles infrastructure and pipelines, so you can spend more time driving real impact.

We usually respond within a week

Data Scientist

As a Data Scientist at ESTO, you'II play a key role in developing and improving predictive models for credit scoring and risk assessment, directly impacting our ability to assess creditworthiness and minimize risk. 

We expect you to push for innovative data-driven solutions and collaborate closely with engineers and stakeholders to build high-quality, scalable models.

KEY RESPONSIBILITIES:

  • Develop and refine credit risk models to enhance loan decision-making.
  • Build and optimize credit scoring algorithms based on borrower behavior and alternative data sources.
  • Analyze large datasets to uncover insights that drive better risk assessment strategies.
  • Collaborate with cross-functional teams to integrate machine learning models into loan origination and risk management systems.
  • Continuously test, validate, and improve predictive models to maximize accuracy.
  • Use statistical techniques to monitor loan portfolio performance and adapt risk strategies.

REQUIREMENTS:

  • Bachelor’s or Master’s degree in Data Science, Statistics, Computer Science, Finance, or a related field.
  • Proven experience in credit risk modeling, lending analytics, or financial risk assessment.
  • Strong proficiency in Python, R, SQL, and machine learning frameworks.
  • Expertise in predictive modeling, statistical analysis, and algorithm development.
  • Experience with alternative credit data sources (social, transactional, behavioral data) is a plus.
  • Excellent problem-solving skills and a data-driven mindset.

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, 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.

Department
Risk Team
Locations
Tallinn
Remote status
Hybrid
Picture of Regita Kumel
Contact Regita Kumel Recruitment Specialist – HR Team

Colleagues

Picture of Konstantin Raimla
Konstantin Raimla
Head of Data
Picture of Dmitrij Mochov
Dmitrij Mochov
Head of Risk Management

About ESTO

ESTO is an innovative payment solutions provider in the Baltic States. ESTO allows you to buy products now and pay later at over 6,000 stores across the Baltics. We make payments simple for both users and merchants.

Founded in 2017
Risk Team · Tallinn · Hybrid

Data Scientist

We get it—data scientists want to focus on modeling, not engineering tasks. That’s why our data platform team handles infrastructure and pipelines, so you can spend more time driving real impact.

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