Credit Technology & Analytics Project Manager

Join us to build and scale the core risk engine of our Baltic fintech platform.

This role sits at the intersection of Credit, Data, Product, and Engineering. You will translate credit strategy into executable technical specifications, operate internal AI agents for analysis, and drive implementation of underwriting logic across Estonia, Latvia, and Lithuania.

You will work across personal and business credit products, ensuring that scorecards, limits, pricing logic, and solvency rules are correctly designed, implemented, and continuously optimised.

KEY RESPONSIBILITIES:

Credit system architecture execution

• Translate credit policy and risk appetite into clear technical specifications

• Write structured implementation specs for data integrations, decision engine logic, scorecards, and limit systems

• Coordinate execution with Data (analysts, data scientists) and Engineering teams

Scorecards and decisioning logic

• Drive implementation of default scores, growth scores, fraud indicators, and user tiering logic

• Manage data transformation requirements across personal and SME products

• Ensure consistency of underwriting rules across EE, LV, LT with local adaptations

AI-assisted credit analytics

• Use internal AI agents and analytical tools to conduct deep-dive portfolio analysis

• Analyse approval rates, rejection reasons, drop-offs, limit utilisation, yield, and credit quality metrics

• Identify structural improvements in conversion vs. risk trade-off

Data integrations and transformation

• Define requirements for bureau integrations, open banking data, bank statement parsing, and alternative data sources

• Structure data mapping and transformation logic before implementation

• Ensure clean data pipelines feeding decision engine and reporting systems

Credit performance monitoring

• Monitor cohort performance, PD shifts, limit effectiveness, and pricing outcomes

• Support automation of underwriting and compliance reporting

• Propose system-level optimisations based on data insights

REQUIREMENTS:

Experience

• 1–3 years in credit risk or fintech project management, underwriting systems, or data-driven product roles

• Experience working with data integrations, scorecards, decision engines, or structured credit data

Analytical capability

• Strong understanding of credit metrics (PD, approval rate, NPL, yield, cohort analysis)

• Able to independently analyse large datasets and extract actionable insights

Technical fluency

• Able to write structured technical specifications for engineers and data teams

• Comfortable working with SQL-level concepts and data structures (no coding required)

• Familiar with data pipelines, APIs, and system integrations

WE OFFER

🌟 Be Part of Something BIG: Gain hands-on experience in a fast-growing fintech   company.

🤝 Work with the Best: Join a tight-knit, highly skilled team where open communication and collaboration drive success.

🏡 Work Your Way: Enjoy a hybrid setup, balancing office time and remote work to suit your lifestyle.

🛡️ We’ve Got You Covered: Benefit from sick leave compensation, Stebby, additional health days, and a flexible work environment that prioritizes your well-being.

🎉 Stay Active and Connected: Take birthday leave, join fun team events, and enjoy plenty of opportunities to unwind.