About ESTO

Founded in 2017, we are a fast-growing fintech company on a mission to make shopping and financial decisions effortless. By combining smart technology with customer-first thinking, we enable people to pay flexibly and businesses to grow faster.

As a team, we value ambition, ownership, and constant improvement. We move fast, think big, and build solutions that make a real impact on everyday lives.

About the role:

We're hiring an SME Financing Credit Manager to own the performance and growth of ESTO's SME lending portfolio in Estonia — analyzing portfolio and credit risk data to refine underwriting models, limits, and risk policies. The role blends credit risk, analytics, and strategy to drive strong lending decisions and support the long-term development of ESTO's SME credit operations. You will play a central role in strengthening risk management practices and supporting the long-term development of ESTO's SME credit operations in Estonia.

What You’ll Do:

Credit portfolio management

• Own and monitor the performance of ESTO's SME financing portfolio in Estonia, including approval rates, default rates, yield, and portfolio quality.

• Identify risk trends and recommend improvements to underwriting policies, credit limits, and decision rules for small business customers.

• Analyze portfolio performance, risk segmentation, approval rates, rejection reasons, and channel quality across merchants, partners, brokers, and marketing sources.

• Provide regular reporting and actionable insights to support risk management and portfolio growth.

• Identify and integrate new data sources to strengthen underwriting, credit decisioning, and data quality for SME lending.

• Collaborate with data science and operations teams on credit scoring models, default prediction, risk segmentation, and decisioning infrastructure.

• Optimize customer tiering frameworks and credit limits based on behavioral and portfolio analysis.

• Work closely with the CCO and local management to support credit governance and risk oversight.

What We Expect:

• 3–7+ years of experience in credit risk, lending, portfolio management, SME/business finance, or a related analytical role.

• Strong understanding of credit underwriting, portfolio performance metrics, risk segmentation, and lending economics.

• Proven ability to analyze portfolio performance and translate insights into improvements in credit policies, limits, and decisioning strategies.

• Experience working with credit scoring models, decisioning systems, data scientists, or analytics teams.

• Familiarity with external credit data sources and risk modeling approaches is a plus.

• Strong analytical, problem-solving, and data interpretation skills.

• Ability to collaborate effectively across business, product, data, engineering, and local market teams.

• Excellent communication skills, with the ability to present insights and recommendations to senior stakeholders.

Nice to have

• Fluency in both English and Estonian is a strong advantage.

Why You'll Love Working Here

Time Off & Flexibility
• 28 days annual leave + public holidays + your birthday off, always
• Hybrid work with flexible hours
• Paid sick leave + 3 wellbeing days
Work Environment
• Modern, pet-friendly office in the heart of Tallinn
• Fully stocked kitchen: snacks, fruit & drinks
Wellbeing & Perks
• Monthly Stebby allowance for sports & wellness
Culture & Team Life
• Collaborative, multicultural team
• Regular events & offsites
• Room to bring ideas and make real impact

🌍 Equal Opportunity Employer
We value diversity and inclusion, and we're committed to a workplace where everyone feels welcome, has equal opportunities, and is treated fairly