Senior Credit Analyst
Drive credit analytics at ESTO, one of the Baltics fastest-growing fintechs. Take ownership in key analyses, automate reporting, and drive smarter, data-driven decisions across the group.
We usually respond within a week
Senior Credit Analyst ( Group )
We’re looking for a 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.
- Department
- Credit Team
- Locations
- Tallinn
- Remote status
- Hybrid

Colleagues
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.