Credit Risk Underwriting Modeller

<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 are looking for a talented<strong> Credit Risk Underwriting Modeller </strong>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.</p> <p>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.</p> <p><strong>What will you be doing?</strong></p> <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> <p><strong>&nbsp;Ideally, you would have:</strong></p> <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> <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>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> <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>