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.

Our solutions from ‘buy now, pay slow’ to flexible installment plans are used by a wide range of customers and merchants across the Baltics. We focus on creating a smooth and transparent payment experience.

We believe finance should be simple, transparent, and built around real life. That’s why we continuously innovate to remove complexity and create seamless experiences- whether online or in-store.

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

You will be responsible for the performance and development of ESTO’s credit portfolio in Lithuania analyzing portfolio dynamics and credit risk to improve underwriting models, limits, and risk policies.
You will also collaborate with data and product teams to enhance data quality, expand external data sources, and support the development of ESTO’s credit decisioning infrastructure.

KEY RESPONSIBILITIES:

Credit portfolio ownership

Monitor and analyze the performance of ESTO’s credit portfolio in Lithuania, including default rates, yield, approval rates, and portfolio characteristics

Identify trends in portfolio quality and propose improvements to underwriting policies, limits, and credit rules

Credit analytics and reporting

Maintain a clear analytical overview of approval rates, rejection reasons, risk segmentation, and portfolio performance

Channel risk analysis

Analyze credit quality and yield across traffic sources, including merchants, brokers, marketing channels, and partner integrations

Data infrastructure and integrations

Identify new local data sources to improve underwriting and credit decisioning

Work with data and credit operations teams to implement new data integrations and maintain strong data quality

Support improvements to the credit decisioning infrastructure by translating business needs into technical specifications

Data science collaboration

Provide analytical insights to support the development and calibration of proprietary credit scoring models and machine-learning-based default scores

Contribute local market insights to refine risk segmentation and predictive models

User tiering and limit calibration

Analyze user behavior and portfolio performance to improve user tiering frameworks and credit limits

Credit governance

Work with the CEO and local management to ensure strong credit governance and monitor credit risks in the Lithuanian portfolio

REQUIREMENTS:

• 3–7+ years of experience in credit risk, lending analytics, portfolio management, or consumer finance

• Strong understanding of credit underwriting, portfolio metrics, and risk segmentation

• Experience analyzing default rates, yield, approval rates, and cohort performance

• Ability to translate analytical insights into improvements in credit policies, limits, and underwriting logic

• Experience collaborating with data teams or data scientists on credit models or analytics initiatives

• Familiarity with credit decisioning systems, scorecards, or risk models is an advantage

• Experience working with external credit data sources or financial data providers is beneficial

• Strong analytical and problem-solving skills, with the ability to work with complex datasets

• Ability to collaborate cross-functionally with product, data, engineering, and local teams

• Strong communication skills and ability to present insights to senior stakeholders

• Fluency in English; Lithuanian is a strong advantage

Why You’ll Love Working Here:

🏖️ Time off & flexibility

• 28 days annual leave + public holidays

• Flexible working hours and hybrid work model

• Paid sick leave

• Enjoy your birthday your way – take a paid day off 🎉

• 3 additional paid Wellbeing Days per year

💻 Work environment

• Modern, pet-friendly office in the heart of Tallinn

• Fully stocked kitchen (snacks, fresh fruit & drinks)

💪 Wellbeing & perks

• Monthly Stebby allowance for sports and wellness

📚 Growth & development

• Company-supported annual learning budget

• Clear career progression paths

🤝 Culture & team life

• Supportive and collaborative working culture

• A multicultural, international team with diverse perspectives

• Regular team events, offsites and social activities

• Freedom to bring ideas forward and make an impact

🌍 Equal Opportunity Employer

We are an equal opportunity employer that values diversity and inclusion. We’re committed to creating a workplace where everyone feels welcome, has equal opportunities, and is treated fairly and with respect.