Credit Specialist
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* Conduct thorough analysis of loan applications, including reviewing bank statements and supporting documents, and making final credit decisions beyond the initial automated process.
* Provide meaningful feedback on potential enhancements to credit policy, based on market experience and observed application trends.
* Ensure timely and proactive engagement with overdue customers, including daily debtor calls, to mitigate credit risk and safeguard portfolio quality.
Key responsibilities
* Perform comprehensive loan analysis and underwriting of consumer loan applications. Review supporting documentation such as bank statements, income verifications, and credit bureau data.
* Provide feedback to improve and refine credit policy and underwriting guidelines.
* Support daily debtor management activities, including contacting overdue customers by phone and other channels.
* Monitor repayment behavior and elevate problematic cases when needed.
* Collaborate closely with the customer service team to ensure smooth loan processing and customer support.
* Report to and align with the lead Credit Specialist in Tallinn on process improvements, workload, and portfolio performance. Qualification & Experience
* Background in financial services, banking, or credit risk management.
* Fluent German language skills (mandatory) – both written and spoken (C1‑B2 level). Strong command of English for internal communication.
* Knowledge of local German market practices, customer behavior, and regulatory framework is a strong advantage.
* University degree in finance, economics, business administration, or equivalent (preferred but not mandatory) #J-18808-Ljbffr
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