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 Riga 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?

• The offered salary is within the range of €4,000–€5,000 gross per month, 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.

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.

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 Gdańsk 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.

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.

As we continue to expand our business, we are looking for an enthusiastic Credit Risk Underwriter to join our Tallinn office. 

As a Credit Risk Underwriter, you’ll play a key role in shaping how we make retail credit decisions across our markets. Your work will directly influence product performance and profitability, combining analytical thinking with real business impact. This is a hands-on role where you’ll collaborate closely with different teams to continuously improve how we assess and manage credit risk.

What you’ll be doing? 

• Developing and improving credit decision-making processes, including statistical analyses and probability estimations, while shaping credit decision criteria.
• Building and maintaining analytical views, dashboards, and reports to support decision-making.
• Helping ensure product profitability through sound underwriting and pricing approaches.
• Monitoring credit risk performance across partners and customer segments, and spotting trends early.
• Working closely with our technology team to enhance our automated credit evaluation systems (decision engine, data integrations, etc).
• Contributing a credit risk perspective to cross-functional projects, while sharing insights and recommendations with country and product teams.
• Keeping up with developments in credit risk management and bringing new ideas into practice.

Ideally, you’d have: 

• Around 1–2 years of experience in a similar analytical role; experience in fintech or banking is a plus.
• A strong analytical mindset and a structured way of thinking through problems.
• Confidence working with Excel and familiarity with tools like SQL, R, Python, or similar.
• Some hands-on experience with building or working with statistical models.
• The ability to take initiative, work independently, and think critically.
• A collaborative mindset and a genuine interest in working with different teams.
• Strong communication skills in written and spoken English & Estonian.

If this role excites you, but you don’t meet every single requirement, we still encourage you to apply. We value diverse backgrounds and perspectives and believe that great people grow into great roles.

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.
• Extra vacation days after your third year, giving you more time to rest and recharge.
• 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.