Monitor and analyze the performance of ESTO’s credit portfolio in Lithuania, including default rates, yield, approval rates, and portfolio characteristics
Identify trends in portfolio quality and propose improvements to underwriting policies, limits, and credit rules
Maintain a clear analytical overview of approval rates, rejection reasons, risk segmentation, and portfolio performance
Analyze credit quality and yield across traffic sources, including merchants, brokers, marketing channels, and partner integrations
Identify new local data sources to improve underwriting and credit decisioning
Work with data and credit operations teams to implement new data integrations and maintain strong data quality
Provide analytical insights to support the development and calibration of proprietary credit scoring models and machine-learning-based default scores
Analyze user behavior and portfolio performance to improve user tiering frameworks and credit limits
Work with the CEO and local management to ensure strong credit governance and monitor credit risks in the Lithuanian portfolio

3–7+ years of experience in credit risk, lending analytics, portfolio management, or consumer finance
Strong understanding of credit underwriting, portfolio metrics, and risk segmentation
Experience analyzing default rates, yield, approval rates, and cohort performance
Ability to translate analytical insights into improvements in credit policies, limits, and underwriting logic
Experience collaborating with data teams or data scientists on credit models or analytics initiatives
Familiarity with credit decisioning systems, scorecards, or risk models is an advantage
Experience working with external credit data sources or financial data providers is beneficial
Strong analytical and problem-solving skills, with the ability to work with complex datasets
Ability to collaborate cross-functionally with product, data, engineering, and local teams
Strong communication skills and ability to present insights to senior stakeholders
Fluency in English; Lithuanian is a strong advantage.

Credit Risk, Portfolio Manager

Key skills