Credit Risk Analyst

Banking is moving out of banks and becoming a part of customers’ daily digital lives. Inbank’s financing solutions are embedded seamlessly into the shopping journey of 6,000+ retailers. This helps our merchant partners to grow their businesses while end customers get to benefit from a frictionless shopping experience wherever they are. With a focus on innovation and growth, we are looking for talented people to join our team of 420+ people working across our offices in Estonia, Latvia, Lithuania, Poland and the Czech Republic.

Inbank is looking for a talented and passionate Credit Risk Analyst to join our dynamic team. In this position, you will be responsible for maintaining and improving the automated credit evaluation process in Latvia.

What you will be doing?

• Develop and improve the credit evaluation process: decision criteria, proposals for product conditions, preparation for product approval in the credit committee, development of decision infrastructure
• Ensure product profitability by performing credit risk evaluation and pricing logic
• Constantly monitor credit risk at partner and customer segment level
• Perform ad-hoc analysis of credit data
• Give feedback and give recommendations to product managers
• Understand current and future trends in the field of credit risk management
• Maintain relations with data suppliers and identify new data sources
• Improve group-level procedures, processes and approaches together with colleagues from other countries.

Ideally, you have the following:

• Higher education in mathematics, physics, finance or similar fields
• Excellent analytical and problem-solving skills
• MS Office (Excel, PowerPoint), as well as R/Python coding and SQL skills
• Good knowledge of Latvian and English
• Previous work experience in finance/credit risk in banking, financial institutions (FinTech) or other institutions will be an advantage.

What you’ll get in return:

• Salary starts from 2600 EUR, the final range depends on experience and skills
• Hybrid work model in a modern office in Riga - Loft office with a view of Old Riga
• Flexible working hours
• Benefits package - health insurance, sports compensation and additional holidays after 3 years of service
• Active Inbank culture and events
• In the Office of Employee Development Programs and Libraries
• Fruits and snacks in the office to recharge your energy.

At Inbank we strive to have an inclusive and diverse working environment, so we welcome you to apply even if you do not match all the points here but think you would do well.

 

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