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Marketing Specialist

Inbank

Riga, Riga, LatviaTäistööaeg3 päeva tagasi

<img style="max-width: 100%;"><img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"> Turn ideas into campaigns. Turn campaigns into results. 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. Great marketing is more than creative ideas - it's about creating meaningful experiences that connect with people and drive business growth.&nbsp;At Inbank, we're looking for a hands-on Marketing Specialist who enjoys turning ideas into action. In this role, you'll plan and execute marketing campaigns, create engaging content, collaborate with colleagues across the Group, and use data to continuously improve what we do. If you're equally excited about creative thinking and getting things done, we'd love to meet you. What you will be doing: Bring campaigns to life <ul> <li>Plan, coordinate and execute marketing activities across different channels to strengthen brand awareness, attract new customers and support business growth.</li> <li>Develop content marketing initiatives, media collaborations and other activities that build trust and increase brand visibility.</li> <li>Prepare marketing materials for digital campaigns, including email marketing and other online channels using tools such as Figma and email marketing platforms.</li> </ul> Create engaging content <ul> <li>Plan and coordinate content across social media platforms, creating materials that engage our audience and strengthen the Inbank brand.</li> <li>Adapt content for different channels and audiences while ensuring a consistent brand voice.</li> <li>Support branding and communication initiatives together with local and Group colleagues.</li> </ul> Measure, improve and collaborate <ul> <li>Monitor campaign performance, analyse results and identify opportunities for improvement.</li> <li>Cooperate with agencies, media and other external partners when needed, while taking direct ownership of content creation and campaign execution.</li> <li>Work closely with Product, Sales and Group Marketing teams to bring ideas to life and continuously improve our marketing activities.</li> </ul> Ideally, you would have: <ul> <li>At least 2 years of experience in marketing, digital marketing or communications.</li> <li>Creativity combined with a structured approach to planning and execution.</li> <li>Experience creating engaging content for social media and digital channels.</li> <li>Understanding of marketing analytics and campaign performance.</li> <li>Excellent communication and collaboration skills.</li> <li>Fluent Latvian and English, both spoken and written.</li> <li>Experience with Figma or email marketing platforms will be considered an advantage.</li> </ul> Why you'll enjoy this role: <ul> <li>You'll have the opportunity to turn your ideas into real campaigns and see the impact of your work.</li> <li>You'll work on a wide variety of projects where creativity and initiative are always welcome.</li> <li>You'll collaborate with both local and Group teams, gaining experience across multiple markets.</li> <li>You'll join a supportive team that values ownership, curiosity and continuous improvement.</li> </ul> What you’ll get in return? <ul> <li>Competitive salary: €2,400–€2,800 gross per month, depending on your experience.</li> <li>The opportunity to grow and develop in an international fintech company that values initiative and new ideas.</li> <li>A friendly and supportive team where colleagues help each other and celebrate successes together.</li> <li>Health insurance and sports compensation after successfully completing your probation period.</li> <li>A modern office in Riga with a view of the Old Town, plus fresh fruit, great coffee and snacks to keep you energised throughout the day.</li> <li>Additional vacation days after three years with us.</li> <li>A paid six-week sabbatical after four years, based on your performance.</li> </ul> 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. When submitting your application, kindly ensure your CV is in English.

Partner Sales Manager

Inbank

Vilnius, Vilnius, LithuaniaOsaline tööaeg3 päeva tagasi

<img style="max-width: 100%;"><img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"> 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. We are looking for a proactive and relationship-driven Partner Sales Manager to join our Vilnius office. In this role, you will play a key role in managing existing relationships and driving sales growth in the Vilnius region. Each day, you’ll connect with our partners face-to-face, build trust, and ensure they feel supported and valued. To succeed, you should be a strategic thinker with strong interpersonal skills and a passion for active engagement throughout the sales process. What you will be doing: <ul> <li>Take care of, establish, and maintain relationships with new and existing partners of Inbank, and manage the full sales cycle from initial contact to deal closure.</li> <li>Consult partners on the issues of purchasing goods in instalments.</li> <li>Educate and get the employees of our partners familiar with our systems, while communicating regularly with internal teams for seamless customer onboarding and support.</li> <li>Actively research, identify, and evaluate potential growth opportunities and strategic partnerships to boost sales in the Vilnius region.</li> </ul> Ideally, you would have: <ul> <li>At least 2-4 years of proven experience as a Partner Sales Manager or similar within B2B Sales, with a strong ability to build and maintain relationships.</li> <li>Experience with the implementation, execution, or optimisation of sales strategies.</li> <li>Hands-on experience with CRM systems and a strong understanding of sales performance metrics, reporting, and analysis.</li> <li>Excellent communication, interpersonal, and time-management skills, with the ability to adapt to a fast-paced environment.</li> <li>Fluent written and spoken Lithuanian and English communication skills.</li> <li>B category driver’s licence.</li> </ul> What you’ll get in return? <ul> <li>Salary based on experience and performance (Base salary range €2900-€3100 gross monthly/ monthly variable part (depending on the results) up to €3100 gross quarterly).</li> <li>A company car for visiting our partners.</li> <li>Opportunities for professional growth and advancement within the company.</li> <li>A hybrid working model, providing flexibility and work-life balance.</li> <li>Additional health insurance or the Stebby app.</li> <li>Additional vacation days after the 3rd year of working.</li> <li>Company, team events and different trainings.</li> <li>A comfortable, pet-friendly office in Vilnius is designed to create a conducive work environment for all team members.</li> </ul> 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. When submitting your application, kindly ensure your CV is in English.

Back Office Support Team Lead (Customer Operations)

Inbank

Riga, Riga, LatviaTäistööaeg2 näd tagasi

<img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"> Lead by example. Improve operations. Make a real impact. Inbank is a fintech company with an EU banking license. We design digital financial products that seamlessly merge financing and payments with shopping, ultimately empowering people to improve their quality of life. With a focus on innovation and growth, we are looking for talented people to join our team of 440+ people working across our offices in Estonia, Latvia, Lithuania, Poland and the Czech Republic.&nbsp; Behind every great customer experience is a team that keeps everything running smoothly. At Inbank, we're looking for a Back Office Support Team Lead (Customer Operations) to lead our Loan Administration and Debt Collection teams. This role is about more than managing daily operations - it's about developing people, improving processes, and building an efficient, customer-focused operational environment. This is a hands-on leadership role. Alongside leading your team and driving operational improvements, you'll be ready to roll up your sleeves and support the team in day-to-day operations whenever needed. If you enjoy developing people, finding smarter ways of working, and creating meaningful change, we'd love to meet you. What you'll do? Lead and develop your team <ul> <li>Lead, coach and support the Loan Administration and Debt Collection teams, helping people grow and perform at their best.</li> <li>Set clear goals, provide regular feedback, and foster a culture of accountability, collaboration and continuous learning.</li> <li>Plan team capacity and workloads to ensure smooth day-to-day operations.</li> <li>Lead by example by stepping into the team's daily work when needed and supporting the resolution of more complex operational cases.</li> </ul> Drive operational excellence <ul> <li>Organize and coordinate the daily work of the Loan Administration and Debt Collection teams.</li> <li>Monitor KPIs, SLAs and operational quality, ensuring an excellent service experience for both customers and partners.</li> <li>Ensure compliance with internal procedures and regulatory requirements.</li> <li>Provide hands-on support whenever needed to help resolve complex cases and ensure business continuity.</li> </ul> Improve the way we work <ul> <li>Identify opportunities to simplify, standardize and automate operational processes.</li> <li>Analyze data and turn insights into practical improvements.</li> <li>Collaborate closely with Product, Risk, IT and Group colleagues to improve systems and customer operations.</li> <li>Lead or contribute to cross-functional initiatives that improve operational efficiency and customer experience.</li> </ul> What we're looking for? <ul> <li>Experience in customer service, operations or lending, with the ambition to take the next step into a Team Lead role, or previous experience as a Team Lead.</li> <li>A genuine passion for developing people and helping teams succeed.</li> <li>Experience working with KPIs, operational performance and service quality.</li> <li>Strong analytical thinking and a continuous improvement mindset.</li> <li>Confidence in making decisions and driving change in a dynamic environment.</li> <li>A hands-on approach and willingness to support the team in day-to-day operations whenever needed.</li> <li>Fluent Latvian and English, both spoken and written.</li> <li>Previous experience in banking, lending or financial services will be considered an advantage.</li> </ul> Why you'll enjoy this role? <ul> <li>You'll have the opportunity to shape your team's development while improving the way we work.</li> <li>Your ideas won't stay on paper - you'll have the freedom to put them into practice.</li> <li>You'll work closely with both local and Group teams, gaining experience across multiple markets.</li> <li>You'll join a supportive team that values ownership, collaboration and continuous improvement.</li> </ul> What we offer? <ul> <li>Competitive salary: €2200-€2700 gross, depending on your experience.</li> <li>The opportunity to grow and develop in an international fintech company that values initiative and new ideas.</li> <li>A friendly and supportive team where colleagues help each other and celebrate successes together.</li> <li>Health insurance and sports compensation after successfully completing your probation period.</li> <li>A modern office in Riga with a view of the Old Town, plus fresh fruit, great coffee and snacks to keep you energized throughout the day.</li> <li>Additional vacation days after three years with us.</li> <li>A paid six-week sabbatical after four years, based on your performance.</li> </ul>

Sales Specialist

Inbank

Warszawa, Masovian Voivodeship, PolandTäistööaeg2 näd tagasi

<img style="max-width: 100%;" src="data:image/png;base64,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

Partnerships Manager (eCommerce)

Inbank

Gdańsk, Pomeranian Voivodeship, Poland; Warszawa, Masovian Voivodeship, PolandOsaline tööaeg3 näd tagasi

Inbank is a fintech company with an EU banking license. We design digital financial products that seamlessly combine financing and payments with the shopping experience, enabling customers to improve their quality of life. We are driven by innovation and growth, and we are looking for talented individuals to join our team of more than 440 employees working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic. As part of our ambitious growth plans, we are looking for a Partnerships Manager (eCommerce) to join our team in Poland. In this role, you will identify, negotiate, and develop strategic partnerships with payment solution providers, CRM and ERP platforms, software development companies, and other e-commerce ecosystem partners. Your focus will be on building scalable partnerships that generate a strong pipeline of high-quality merchant leads. You will also manage the partner channel end-to-end, ensuring successful onboarding, smooth merchant integrations, and long-term partner engagement to drive sustainable growth and adoption of Inbank's solutions. What will you be doing? <ul> <li>Identify, engage, and develop partnerships with key platform providers, including payment solution providers, e-commerce platforms, CRM and ERP systems, software developers, and marketing channels that serve as hubs for multiple merchants.</li> <li>Build and manage a strong pipeline of strategic partners, negotiating scalable commercial models such as referral agreements, revenue-sharing partnerships, and lead generation programs.</li> <li>Own the end-to-end onboarding of new partners, coordinating commercial and technical integration processes in close collaboration with Product and Engineering teams.</li> <li>Support partners in integrating Inbank's solutions through APIs, plug-ins, and dedicated e-commerce platform integrations, ensuring a smooth implementation experience.</li> <li>Analyze merchant traffic, sales performance, and partner data to identify growth opportunities, optimize sales strategies, and prioritize the highest-value partnerships.</li> <li>Manage the inbound pipeline of companies interested in partnering with Inbank, from initial qualification and onboarding to activation and long-term growth.</li> <li>Build strong relationships with existing partners, driving engagement, identifying expansion opportunities, and maximizing partner performance.</li> <li>Re-engage dormant partnerships with e-commerce platforms and solution providers while managing and continuously improving the partner portal experience.</li> <li>Deliver training, education, and ongoing enablement for partner teams, ensuring they are equipped to effectively promote and use Inbank's products, platform, and systems.</li> </ul> Ideally, you would have: <ul> <li>3–5 years of experience in B2B sales, partnerships, e-commerce, SaaS, or a similar client-facing role.</li> <li>Experience working with Payment Solution Providers (PSPs), e-commerce platforms, or the broader payments ecosystem would be a strong advantage.</li> <li>A solid understanding of partnership models, sales processes, and the e-commerce landscape.</li> <li>Excellent communication and relationship-building skills, with the ability to engage and influence a variety of stakeholders.</li> <li>Experience coordinating cross-functional projects or managing integrations with external partners.</li> <li>Strong organizational and time management skills, with the ability to thrive in a fast-paced, growth-oriented environment.</li> <li>An analytical mindset and confidence in using performance data to drive decisions and optimize results.</li> <li>Excellent written and spoken English.</li> </ul> Our offer to you: <ul> <li>Competitive salary based on experience and a comprehensive benefits package.</li> <li>Hybrid, agile, and autonomous working environment.</li> <li>Engaging and challenging projects with professional development opportunities.</li> <li>A friendly, results-oriented team.</li> <li>Team events and additional perks.</li> <li>Freedom to choose your preferred work tools – Mac or PC.</li> </ul> When submitting your application, kindly ensure your CV is in English. 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.

Compliance Lawyer

Inbank

Gdańsk, Pomeranian Voivodeship, PolandTäistööaeg1 kuud tagasi

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 440+ people working across our offices in Estonia, Latvia, Lithuania, Poland and the Czech Republic. Due to our growth ambitions, we are looking for a talented&nbsp;Compliance Specialist in Poland. The role is in Inbank’s Compliance Team, which is a multinational team spanning 5 countries. The role involves assisting in communication with regulatory authorities, analysing various aspects of Inbank’s operations to ensure compliance with internal policies and external regulations, particularly in areas such as consumer financing, personal data protection, and anti-money laundering (AML), as well as finding solutions that balance regulatory requirements with Inbank’s drive for innovation. &nbsp; What will you be doing? <ul> <li>Monitor developments in relevant external regulations and communicate their requirements and potential impact to the organisation.</li> <li>Proactively oversee the compliance of Inbank’s activities, identify potential issues early, and propose effective solutions to address them.</li> <li>Participate in various local and group-wide projects across five different jurisdictions, providing regulatory advice and support to internal stakeholders.</li> <li>Ensuring the accuracy and up-to-date status of internal regulations.</li> <li>Assist in managing communication with supervisory authorities.</li> </ul> To be successful in the role, you ideally have the following: <ul> <li>Knowledge of Polish and EU banking and financial regulations.</li> <li>Proven experience in a compliance role within the financial sector.</li> <li>Ability and willingness to translate complex legal and regulatory requirements into practical, business-oriented solutions.</li> <li>Strong communication and collaboration skills.</li> <li>Fluency in both written and spoken Polish and English (both in communication and in drafting legal documents).</li> <li>A degree in law or equivalent legal education.</li> </ul> We do understand that nobody is perfect, but some bonus points if you have: <ul> <li>An open mindset with the ability to think outside the box and challenge the status quo.</li> <li>Experience in the consumer financing sector.</li> <li>Experience in communication with regulatory authorities such as UOKiK, KNF and UODO.</li> </ul> Our offer to you: <ul> <li>Competitive salary based on experience and a comprehensive benefits package.</li> <li>Hybrid, agile, and autonomous working environment.</li> <li>Engaging and challenging projects with professional development opportunities.</li> <li>A friendly, results-oriented team.</li> <li>Team events and additional perks.</li> <li>Freedom to choose your preferred work tools – Mac or PC.</li> </ul> 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. &nbsp; #LI-ES1 #LI-Hybrid

Compliance Lawyer

Inbank

Warszawa, Masovian Voivodeship, PolandTäistööaeg1 kuud tagasi

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

Credit Risk Underwriting Modeller

Inbank

Tallinn, Harju, EstoniaTäistööaeg3 kuud tagasi

<img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"> 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. Due to our growth ambitions, we are looking for a talented Credit Risk Underwriting Modeller to join our Tallin office. In this hands-on role, you will help improve how we assess credit risk and ensure the profitability of our products by developing and refining statistical models used in credit decisioning. You will work closely with credit risk specialists and technology teams, combining data, business understanding, and modeling techniques to build effective underwriting solutions.&nbsp;In this role, your work will have a direct impact on business performance. By improving credit decision models, you will contribute to better risk management and stronger profitability—playing a key role in shaping data-driven decisions across the organization. What will you be doing? <ul> <li>Develop, improve, and maintain statistical models used in credit underwriting.</li> <li>Own the end-to-end modeling process: from data collection and preparation to model development, validation, and monitoring.</li> <li>Analyze and combine internal and external data sources to enhance model performance.</li> <li>Continuously monitor models and optimize them for accuracy, risk management, and profitability.</li> <li>Collaborate with the technology team to improve automated credit decision systems (decision engine, data integrations, workflows).</li> <li>Work closely with credit risk underwriters and product managers to translate business needs into effective modeling solutions.</li> <li>Prepare analytical reports and ensure clear model documentation and transparency.</li> <li>Stay up to date with industry trends and best practices in credit risk modeling.</li> </ul> &nbsp;Ideally, you would have: <ul> <li>3+ years of proven experience in a similar role (statistical, predictive, or data modeling); experience in fintech or banking is a plus.</li> <li>Solid understanding of statistical methods and machine learning techniques, with the ability to apply them in practice.</li> <li>Strong analytical mindset and confidence working with complex, real-world datasets.</li> <li>Strong SQL skills, with hands-on experience in data extraction and manipulation.</li> <li>Proficiency in Python, R, or similar tools.</li> <li>Ability to work independently while collaborating effectively with cross-functional teams.</li> <li>Clear communication skills in English, both written and spoken.</li> </ul> What you’ll get in return? <ul> <li>A competitive salary tailored to your experience, along with a comprehensive benefits package.</li> <li>Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.</li> <li>A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.</li> <li>A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.</li> <li>Flexibility through a hybrid and autonomous way of working, built on trust and accountability.</li> <li>The opportunity to collaborate with talented international colleagues across multiple markets.</li> <li>Regular team events and additional perks that make work more enjoyable and help celebrate successes together.</li> </ul> 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.

Credit Risk Underwriting Modeller

Inbank

Riga, Riga, LatviaTäistööaeg3 kuud tagasi

<img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"> 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. Due to our growth ambitions, we are looking for a talented Credit Risk Underwriting Modeller to join our Riga office. In this hands-on role, you will help improve how we assess credit risk and ensure the profitability of our products by developing and refining statistical models used in credit decisioning. You will work closely with credit risk specialists and technology teams, combining data, business understanding, and modeling techniques to build effective underwriting solutions.&nbsp;In this role, your work will have a direct impact on business performance. By improving credit decision models, you will contribute to better risk management and stronger profitability—playing a key role in shaping data-driven decisions across the organization. What will you be doing? <ul> <li>Develop, improve, and maintain statistical models used in credit underwriting.</li> <li>Own the end-to-end modeling process: from data collection and preparation to model development, validation, and monitoring.</li> <li>Analyze and combine internal and external data sources to enhance model performance.</li> <li>Continuously monitor models and optimize them for accuracy, risk management, and profitability.</li> <li>Collaborate with the technology team to improve automated credit decision systems (decision engine, data integrations, workflows).</li> <li>Work closely with credit risk underwriters and product managers to translate business needs into effective modeling solutions.</li> <li>Prepare analytical reports and ensure clear model documentation and transparency.</li> <li>Stay up to date with industry trends and best practices in credit risk modeling.</li> </ul> &nbsp;Ideally, you would have: <ul> <li>3+ years of proven experience in a similar role (statistical, predictive, or data modeling); experience in fintech or banking is a plus.</li> <li>Solid understanding of statistical methods and machine learning techniques, with the ability to apply them in practice.</li> <li>Strong analytical mindset and confidence working with complex, real-world datasets.</li> <li>Strong SQL skills, with hands-on experience in data extraction and manipulation.</li> <li>Proficiency in Python, R, or similar tools.</li> <li>Ability to work independently while collaborating effectively with cross-functional teams.</li> <li>Clear communication skills in English, both written and spoken.</li> </ul> What you’ll get in return? <ul> <li>The offered salary is within the range of €4,000–€5,000 gross per month, along with a comprehensive benefits package.</li> <li>Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.</li> <li>A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.</li> <li>A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.</li> <li>Flexibility through a hybrid and autonomous way of working, built on trust and accountability.</li> <li>The opportunity to collaborate with talented international colleagues across multiple markets.</li> <li>Regular team events and additional perks that make work more enjoyable and help celebrate successes together.</li> </ul> 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.

Credit Risk Underwriting Modeller

Inbank

Gdańsk, Pomeranian Voivodeship, PolandTäistööaeg3 kuud tagasi

<img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"> 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. Due to our growth ambitions, we are looking for a talented Credit Risk Underwriting Modeller to join our Gdańsk office. In this hands-on role, you will help improve how we assess credit risk and ensure the profitability of our products by developing and refining statistical models used in credit decisioning. You will work closely with credit risk specialists and technology teams, combining data, business understanding, and modeling techniques to build effective underwriting solutions.&nbsp;In this role, your work will have a direct impact on business performance. By improving credit decision models, you will contribute to better risk management and stronger profitability—playing a key role in shaping data-driven decisions across the organization. What will you be doing? <ul> <li>Develop, improve, and maintain statistical models used in credit underwriting</li> <li>Own the end-to-end modeling process: from data collection and preparation to model development, validation, and monitoring</li> <li>Analyze and combine internal and external data sources to enhance model performance</li> <li>Continuously monitor models and optimize them for accuracy, risk management, and profitability</li> <li>Collaborate with the technology team to improve automated credit decision systems (decision engine, data integrations, workflows)</li> <li>Work closely with credit risk underwriters and product managers to translate business needs into effective modeling solutions</li> <li>Prepare analytical reports and ensure clear model documentation and transparency</li> <li>Stay up to date with industry trends and best practices in credit risk modeling</li> </ul> &nbsp;Ideally, you would have: <ul> <li>3+ years of proven experience in a similar role (statistical, predictive, or data modeling); experience in fintech or banking is a plus</li> <li>Solid understanding of statistical methods and machine learning techniques, with the ability to apply them in practice</li> <li>Strong analytical mindset and confidence working with complex, real-world datasets</li> <li>Strong SQL skills, with hands-on experience in data extraction and manipulation</li> <li>Proficiency in Python, R, or similar tools</li> <li>Ability to work independently while collaborating effectively with cross-functional teams</li> <li>Clear communication skills in English, both written and spoken</li> </ul> What you’ll get in return? <ul> <li>A competitive salary tailored to your experience, along with a comprehensive benefits package.</li> <li>Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.</li> <li>A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.</li> <li>A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.</li> <li>Flexibility through a hybrid and autonomous way of working, built on trust and accountability.</li> <li>The opportunity to collaborate with talented international colleagues across multiple markets.</li> <li>Regular team events and additional perks that make work more enjoyable and help celebrate successes together.</li> </ul> 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.

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