This website uses cookies to ensure you get the best experience.

ESTO and our selected partners use cookies and similar technologies (together “cookies”) that are necessary to present this website, and to ensure you get the best experience of it. If you consent to it, we will also use cookies for analytics purposes.

See our Cookie Policy to read more about the cookies we set.

You can withdraw and manage your consent at any time, by clicking “Manage cookies” at the bottom of each website page.

Select which cookies you accept

On this site, we always set cookies that are strictly necessary, meaning they are necessary for the site to function properly.

If you consent to it, we will also set other types of cookies. You can provide or withdraw your consent to the different types of cookies using the toggles below. You can change or withdraw your consent at any time, by clicking the link “Manage Cookies”, which is always available at the bottom of the site.

To learn more about what the different types of cookies do, how your data is used when they are set etc, see our Cookie Policy.

These cookies are necessary to make the site work properly, and are always set when you visit the site.

Vendors Teamtailor

These cookies collect information to help us understand how the site is being used.

Vendors Teamtailor
Skip to main content
Picture of Nadia Muttonen

Nadia Muttonen

Chief People Officer – People Team


I’m the Head of HR at ESTO, where I get to spend my days recruiting amazing talent, shaping a company culture that’s as vibrant as our team, and making sure everyone feels supported.
With a psychology degree in hand, I’m basically a professional people-watcher (in the best way possible). 

My passion? 

Turning ESTO into the workplace everyone talks about—in the “I love my job”. 
I truly believe work can be a place where people grow, thrive, and actually enjoy themselves!

About ESTO

Thinking big since 2017.

Since launching in Estonia in 2017, ESTO expanded to Lithuania in 2020 and Latvia in 2021.

Today we partner with 11 000+ merchants and serve nearly a million customers | on a mission to simplify money by removing complexity, embracing transparency, and putting people first.

We’re driven by innovation that makes finance effortless, empowering people to take control of their financial future.

Employer branding by Teamtailor