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SME Credit Manager
ESTO GroupSME Credit Manager managing ESTO's SME lending portfolio in Estonia. Analyzing credit risk data, refining underwriting models, and supporting risk management practices.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit risk management, portfolio performance analysis, and underwriting policies, with a strong ability to collaborate across teams and present actionable insights to stakeholders.
Highest-signal resume keywords
Credit Risk ManagementPortfolio Performance AnalysisCredit UnderwritingData InterpretationCollaboration Across Teams
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Scoring ModelsRisk SegmentationLending EconomicsPortfolio ManagementData Analysis
Soft Skills
Analytical SkillsProblem-SolvingCommunication Skills
Tools & Technologies
Decisioning SystemsData Quality Tools
Industry Keywords
SME FinancingCredit GovernanceRisk OversightApproval RatesDefault Rates
About the role
Key responsibilities & impact- 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.
Requirements
What you’ll need- 3–7+ years of experience in credit risk, lending, portfolio management, SME/business 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.
Benefits
Comp & perks- 28 days annual leave + public holidays + your birthday off, always
- Hybrid work with flexible hours
- Paid sick leave + 3 wellbeing days
- Modern, pet-friendly office in the heart of Tallinn
- Fully stocked kitchen: snacks, fruit & drinks
- Monthly Stebby allowance for sports & wellness
- Collaborative, multicultural team
- Regular events & offsites