ESTO Group

Performance Marketing

• Set up, manage, scale, and optimize paid campaigns across Google, Meta, LinkedIn, TikTok, and other emerging platforms.
• Using AI tools (like Claude or in-platform) in everyday work to optimize and analyze campaign performance, automate routine workflows.
• Own our Google Tag Manager (GTM) setup.
• With the help of Product and Engineering teams review and maintain server-side tracking, tags, pixels and conversion APIs to ensure flawless data collection.
• Dive deep into Google Analytics 4 (GA4) to analyze user journeys, attribution models, and post-click behavior.
• Build custom reports and dashboards.
• Bridge marketing and product - define data layer and custom event tracking requirements.
• Constantly test audiences, creatives, landing pages, and bidding strategies to lower CAC and scale volume efficiently.

Technical Performance Marketing Manager

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.

Technical Performance Marketing Manager

SME Credit Manager