Inbank is a financial technology company with an EU banking license that connects merchants, consumers, and financial institutions on its next-generation embedded finance platform. Our financing solutions are embedded seamlessly into the shopping journey of 6,000+ retailers. This helps our merchant partners grow their businesses, while end customers benefit from a frictionless shopping experience wherever they are. With a focus on innovation and growth, we are looking for talented people to join our team of 440+ working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic.
Due to our growth ambitions, we are looking for a talented Credit Risk Underwriting Modeller to join our Tallin office. In this hands-on role, you will help improve how we assess credit risk and ensure the profitability of our products by developing and refining statistical models used in credit decisioning.
You will work closely with credit risk specialists and technology teams, combining data, business understanding, and modeling techniques to build effective underwriting solutions. In this role, your work will have a direct impact on business performance. By improving credit decision models, you will contribute to better risk management and stronger profitability—playing a key role in shaping data-driven decisions across the organization.
What will you be doing?
- Develop, improve, and maintain statistical models used in credit underwriting.
- Own the end-to-end modeling process: from data collection and preparation to model development, validation, and monitoring.
- Analyze and combine internal and external data sources to enhance model performance.
- Continuously monitor models and optimize them for accuracy, risk management, and profitability.
- Collaborate with the technology team to improve automated credit decision systems (decision engine, data integrations, workflows).
- Work closely with credit risk underwriters and product managers to translate business needs into effective modeling solutions.
- Prepare analytical reports and ensure clear model documentation and transparency.
- Stay up to date with industry trends and best practices in credit risk modeling.
Ideally, you would have:
- 3+ years of proven experience in a similar role (statistical, predictive, or data modeling); experience in fintech or banking is a plus.
- Solid understanding of statistical methods and machine learning techniques, with the ability to apply them in practice.
- Strong analytical mindset and confidence working with complex, real-world datasets.
- Strong SQL skills, with hands-on experience in data extraction and manipulation.
- Proficiency in Python, R, or similar tools.
- Ability to work independently while collaborating effectively with cross-functional teams.
- Clear communication skills in English, both written and spoken.
What you’ll get in return?
- A competitive salary tailored to your experience, along with a comprehensive benefits package.
- Wellbeing support through sports compensation or additional health insurance to help you stay active and healthy.
- A 6-week paid sabbatical after four years, recognising strong performance and long-term contribution.
- A dynamic and inspiring work environment where you’re encouraged to grow and take ownership of your work.
- Flexibility through a hybrid and autonomous way of working, built on trust and accountability.
- The opportunity to collaborate with talented international colleagues across multiple markets.
- Regular team events and additional perks that make work more enjoyable and help celebrate successes together.
Sounds like a fit?
Apply, and our recruitment team will be in touch. If you’re unsure but curious, apply anyway - we’re happy to explore together.
