Credit Risk Underwriter

Inbank is a financial technology company with an EU banking license that connects merchants, consumers, and financial institutions on its next-generation embedded finance platform. Our financing solutions are embedded seamlessly into the shopping journey of 6,000+ retailers. This helps our merchant partners grow their businesses, while end customers 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 440+ working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic.

As we continue to expand our business, we are looking for an enthusiastic Credit Risk Underwriter to join our Tallinn office. 

As a Credit Risk Underwriter, you’ll play a key role in shaping how we make retail credit decisions across our markets. Your work will directly influence product performance and profitability, combining analytical thinking with real business impact. This is a hands-on role where you’ll collaborate closely with different teams to continuously improve how we assess and manage credit risk.

What you’ll be doing? 

• Developing and improving credit decision-making processes, including statistical analyses and probability estimations, while shaping credit decision criteria.
• Building and maintaining analytical views, dashboards, and reports to support decision-making.
• Helping ensure product profitability through sound underwriting and pricing approaches.
• Monitoring credit risk performance across partners and customer segments, and spotting trends early.
• Working closely with our technology team to enhance our automated credit evaluation systems (decision engine, data integrations, etc).
• Contributing a credit risk perspective to cross-functional projects, while sharing insights and recommendations with country and product teams.
• Keeping up with developments in credit risk management and bringing new ideas into practice.

Ideally, you’d have: 

• Around 1–2 years of experience in a similar analytical role; experience in fintech or banking is a plus.
• A strong analytical mindset and a structured way of thinking through problems.
• Confidence working with Excel and familiarity with tools like SQL, R, Python, or similar.
• Some hands-on experience with building or working with statistical models.
• The ability to take initiative, work independently, and think critically.
• A collaborative mindset and a genuine interest in working with different teams.
• Strong communication skills in written and spoken English & Estonian.

If this role excites you, but you don’t meet every single requirement, we still encourage you to apply. We value diverse backgrounds and perspectives and believe that great people grow into great roles.

What you’ll get in return?

• A competitive salary tailored to your experience, along with a comprehensive benefits package.
• Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.
• Extra vacation days after your third year, giving you more time to rest and recharge.
• A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.
• A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.
• Flexibility through a hybrid and autonomous way of working, built on trust and accountability.
• The opportunity to collaborate with talented international colleagues across multiple markets.
• Regular team events and additional perks that make work more enjoyable and help celebrate successes together. 

Sounds like a fit?

Apply, and our recruitment team will be in touch. If you’re unsure but curious, apply anyway - we’re happy to explore together.