Credit Risk Analyst

<p><img style="max-width: 100%;" src="https://ib-cdn.inbank.eu/images/banners/banner3.png" alt="" width="1584"></p> <p>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.</p> <p>Due to our growth ambitions, we seek a driven <strong>Credit Risk Analyst</strong> to join our Tallinn office.</p> <p>As a <strong>Credit Risk Analyst </strong>in our Risk Team, you will play a key role in assessing, monitoring, and improving the performance of our consumer lending portfolio across multiple markets. By turning data into insight, you’ll help shape smarter lending decisions - from evaluating creditworthiness to refining risk models - directly influencing how we manage risk, support sustainable growth, and maintain a strong, well-balanced credit portfolio. You’ll also analyse portfolio trends and calculate expected credit losses in line.</p> <p>In this role, you’ll be one of the key contributors within our Credit Risk Control team - tackling complex challenges, sharing ideas, and working alongside talented professionals to keep our credit portfolio strong, balanced, and future-ready.</p> <p><strong>What will you be doing?</strong></p> <ul> <li>Monitoring credit portfolio performance, identifying key risk drivers, and providing actionable insights across Inbank’s 5 operating markets.</li> <li>Analysing customer behavior, loan performance, and emerging risk trends.</li> <li>Preparing regular risk reports and dashboards for internal stakeholders to support decision-making.</li> <li>Collaborating with product, data, and collections teams to improve credit processes.</li> <li>Contributing to the development and optimisation of credit policies.</li> </ul> <p><strong>Ideally, you would have:</strong></p> <ul> <li>2–3 years of previous experience in Credit Risk, Data Analysis, or a similar analytical role.</li> <li>Strong analytical skills and the ability to interpret complex datasets.</li> <li>Intermediate proficiency in SQL and Excel; experience with Tableau (or a similar reporting tool) is a plus.</li> <li>Understanding of consumer lending products and credit risk principles.</li> <li>Strong attention to detail and a structured approach to problem-solving.</li> <li>Excellent communication skills in written and spoken English.</li> </ul> <p><strong>What you’ll get in return?</strong></p> <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>Extra vacation days after your third year, giving you more time to rest and recharge.</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.&nbsp;</li> </ul> <p><strong>Sounds like a fit?</strong></p> <p>Apply, and our recruitment team will be in touch. If you’re unsure but curious, apply anyway - we’re happy to explore together.</p>