Credit Manager, Estonia

At Bondora, our mission is clear: to empower people to enjoy life more while alleviating the stress of managing finances. Founded in 2008, Bondora has proudly served a diverse community of over 1 million customers for an impressive 16 years.

As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers. Our investment product is available Europe-wide, and we’re actively expanding our loan product footprint to 11 new countries.

Join us on this journey and let’s build the future of finance together!

What is this role about?

As the Credit Manager in Estonia, you’ll be at the forefront of driving growth in our well-established market. Collaboration is vital, as you’ll work closely with the Collections, Product, and Compliance teams to optimize our processes for peak performance and ensure full compliance with local regulations. This position combines the strategic responsibilities of a Credit Manager with hands-on involvement in data mining and analytics, making it an exciting and challenging opportunity to significantly impact our organization’s success.

Your main responsibilities include:

• Conduct in-depth analysis of credit risk metrics and portfolio performance to uncover insights and trends.
• Lead the charge in delivering timely, accurate, and impactful risk assessments, findings, and recommendations to key stakeholders.
• Develop and maintain a deep understanding of the credit underwriting flow, identifying its strengths and opportunities for optimization to enhance credit performance.
• Proactively address any credit performance issues, ensuring swift escalation and collaboration with relevant parties to keep stakeholders informed and engaged.
• Define and enforce comprehensive credit risk policies that align with the company’s risk appetite, internal protocols, and regulatory requirements.
• Challenge status quo by conducting rigorous A/B testing on credit parameters, continuously refining and enhancing Credit Strategies for optimal results.

What would ensure success in this role?

• Deep knowledge of credit risk management practices and analytical tools.
• Proficiency in MS Excel, SQL, Tableau (or similar BI tools); knowledge of Python or R is a plus.
• Strong problem-solving and decision-making skills with a data-driven mindset.
• Excellent communication skills to convey complex ideas clearly and effectively.
• Resilience, attention to detail, and the ability to adapt in a fast-paced environment.

What can you expect at Bondora? 

• Contribute to Bondora’s ambitious goal of reaching 1BN in revenue. Your skills and efforts will directly impact our growth trajectory and shape the future of our company.
• Our employees deserve the best. We recognize our people with a competitive salary and a generous benefits package (5 weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, share options and much more!)
• We provide an environment that encourages your personal and professional growth. As we constantly evolve and innovate, you’ll have endless opportunities (and budget) to expand your skills and skyrocket your career.

The next steps

If you have the guts, ideas, and a team vision, apply now! 

Our hiring process: 

• Assessments: Complete our personality and logic assessments to showcase your strengths through our partner Alva Labs.
• Meet Tomas, our Head of Credit Risk: Your first interview with Tomas will give you the chance to share your experiences and aspirations. 
• Engage with Juris, our Chief Credit Officer: Impress Juris with your passion and insights. 
• The celebration begins: If the stars align, receive an offer to join the Bondora team! 

Join our team of Bondorians, and let's make it happen!

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