Eastern Shawnee Companies

IT Support

• Own and monitor the performance of ESTO's SME financing portfolio in Estonia, including approval rates, default rates, yield, and portfolio quality
• Identify risk trends and recommend improvements to underwriting policies, credit limits, and decision rules for small business customers
• 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
• Identify and integrate new data sources to strengthen underwriting, credit decisioning, and data quality for SME lending
• Collaborate with data science and operations teams on credit scoring models, default prediction, risk segmentation, and decisioning infrastructure
• Optimize customer tiering frameworks and credit limits based on behavioral and portfolio analysis
• Work closely with the CCO and local management to support credit governance and risk oversight

Credit Manager