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.

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:

We are looking for a Credit Risk and Portfolio Manager who 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.This role combines credit risk, analytics, data, and strategy to support effective lending decisions and strong portfolio performance. You will play a central role in strengthening risk management practices and supporting the long-term development of ESTO’s credit operations in Lithuania.

What You’ll Do:

Credit Portfolio Management

• Own and monitor the performance of ESTO’s Lithuanian credit portfolio, including approval rates, default rates, yield, and portfolio quality.

• Identify risk trends and recommend improvements to underwriting policies, credit limits, and decision rules.

Credit Analytics & Risk Monitoring

• Analyze portfolio performance, risk segmentation, approval rates, rejection reasons, and channel quality across merchants, partners, brokers, and marketing sources.

• Provide regular reporting and actionable insights to support risk management and portfolio growth.

Data, Decisioning & Models

• Identify and integrate new data sources to strengthen underwriting, credit decisioning, and data quality.

• Collaborate with data science and operations teams on credit scoring models, default prediction, risk segmentation, and decisioning infrastructure.

Customer Segmentation & Governance

• Optimize customer tiering frameworks and credit limits based on behavioral and portfolio analysis.

• Work closely with the CEO and local management and support credit governance and risk oversight

What We Expect:

• 3–7+ years of experience in credit risk, lending, portfolio management, consumer finance, or a related analytical role.

• Strong understanding of credit underwriting, portfolio performance metrics, risk segmentation, and lending economics.

• Proven ability to analyze portfolio performance and translate insights into improvements in credit policies, limits, and decisioning strategies.

• Experience working with credit scoring models, decisioning systems, data scientists, or analytics teams.

• Familiarity with external credit data sources and risk modeling approaches is a plus.

• Strong analytical, problem-solving, and data interpretation skills.

• Ability to collaborate effectively across business, product, data, engineering, and local market teams.

• Excellent communication skills, with the ability to present insights and recommendations to senior stakeholders.

Nice to have

• Fluency in both English and 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.