We’re looking for a highly hands-on Principal Program Manager (Builder-Operator) to drive AI impact within Rides Central Operations.

This is not a traditional program management role. You’ll personally design, build, and deploy AI tools, agents, dashboards, and decision systems, while also driving prioritisation, rollout, adoption, and governance across Rides.

 
 
  With over 200 million users in 50+ countries, Bolt is one of the fastest-growing tech companies in Europe and Africa. And it's all thanks to our people.

  We believe in creating an inclusive environment where everyone is welcome, regardless of race, colour, religion, gender identity, sexual orientation, national origin, age, or ability.

  Our ultimate goal is to make cities for people, not cars. And we need your help on this mission!
 

 
 

This is an individual contributor (IC) role with high ownership and no direct reports. It’s built for someone eager to build, own, and deliver real change in a complex operational environment.

 

• Personally build and deploy AI tools, agents, dashboards, and decision-support systems for Rides Operations, taking solutions from prototype to production-ready use.
• Identify high-friction operational problems across markets and turn them into scalable AI solutions that improve cost, efficiency, reliability, and growth.
• Work independently with internal data, APIs, LLMs, and automation frameworks, shipping usable tools with minimal reliance on Engineering, Data, or Product support.
• Drive solutions end to end: problem definition, prioritisation, build, pilot, rollout, adoption, and iteration.
• Create clear decision materials for leadership, highlighting trade-offs, risks, ROI, and operational impact.
• Define guardrails and governance for responsible AI use, ensuring solutions are explainable, compliant, and aligned with long-term platform standards.

• You have demonstrated hands-on experience personally building and deploying applied AI solutions, such as AI agents, workflow automations, dashboards, or decision-support tools.
• You are comfortable using Python, SQL, APIs, LLMs, and automation/workflow tools to build MVPs and production-lean solutions yourself.
• You understand how to move from prototype to production, including reliability, monitoring, rollout, and iteration in real operational environments.
• You can independently turn ambiguous business problems into structured execution plans and deliver measurable outcomes end to end.
• You are effective with senior stakeholders and can align technical implementation with business priorities and operational goals.
• You have experience working in scaled organisations where AI solutions are already live and embedded into core processes.

 
 
  Experience is great, but what we really look for is drive, intelligence, and integrity. So even if you don’t tick every box, please consider applying!
 

 
 

• Play a direct role in shaping the future of mobility.
• Impact millions of customers and partners in 600+ cities across 50+ countries.
• Work in fast-moving autonomous teams with some of the smartest people in the world.
• Accelerate your professional growth with unique career opportunities.
• Get a rewarding salary and stock option package that lets you focus on doing your best work.
• Enjoy the flexibility of working in a hybrid mode with a minimum of 3 days in the office each week to foster strong connections and teamwork.
• Take care of your physical and mental health with our wellness perks.

 *Some perks may differ depending on your location and role.

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 seamlessly embedded into the shopping journeys of 6,000+ retailers, helping merchants grow their businesses while enabling customers to enjoy a frictionless shopping experience. Today, 440+ people work at Inbank across Estonia, Latvia, Lithuania, Poland, and the Czech Republic, building innovative financial solutions for the future of commerce.

At Inbank, our people are our greatest asset - and the technology they rely on every day must be seamless, scalable, and secure by design.

As we continue our ambitious growth and commitment to operational excellence, we are evolving our internal IT function. We are looking for a Workplace Services Lead to take ownership of our internal IT operations and lead a team of 8. In this role, you will drive a shift toward a proactive, service-driven model focused on identity ownership, user experience, and operational resilience.

This is a high-impact opportunity to shape how our teams work across the organization. You will collaborate closely with our Security, Infrastructure, Product & Engineering, and HR teams to ensure robust operational security, compliance, and lifecycle management across workplace devices, SaaS platforms, and user identities.

What you’ll be doing?

• Lead and grow the team: Manage, mentor, and develop a team of 8 while setting clear priorities and driving high service standards. Own the internal IT budget and ensure smart, value-driven investments.
• Own and evolve IAM: Lead and scale our identity and access management setup, covering SSO, SAML, SCIM, OAuth, LDAP, and APIs. Implement strong access controls, including PAM, least-privilege principles, and regular access reviews.
• Strengthen security and compliance: Work closely with Security and Infrastructure teams to implement strong controls, including DLP, and ensure compliance with regulatory and audit requirements.
• Manage incidents and reduce risk: Lead structured incident management, focusing on root cause analysis, recovery, and continuous improvement.
• Stay hands-on with technical operations: Support complex issues by analyzing logs and data, making backend fixes, and assisting with releases. Act as a bridge between IT, Product, and Engineering.
• Drive automation and scalability: Identify and implement automation opportunities - from scripting to AI-driven workflows - to improve efficiency and future-proof internal IT.
• Oversee workplace technology across locations: Manage devices, office networks, and workplace tech across multiple countries, ensuring everything is secure, compliant, and runs smoothly.
• Optimize SaaS and vendors: Take ownership of our SaaS ecosystem - reduce waste, manage renewals, and ensure vendors meet performance expectations.
• Create a seamless employee experience: Partner with HR to ensure employees are fully equipped from day one - devices ready, access in place. Own the full identity lifecycle (joiner, mover, leaver).

Ideally, you would have:

• IT leadership experience: 5+ years in Internal IT, Workplace Engineering, or Service Management, including team leadership & budget ownership.
• IAM expertise: Strong hands-on experience with identity providers, SSO, SAML, SCIM, OAuth, LDAP, provisioning, and access controls.
• Security mindset: Knowledge of endpoint security, MDM, DLP, and relevant compliance standards.
• AI & Automation awareness: Familiarity with AI tools and workflow automation in a corporate environment.
• SaaS know-how: Experience managing platforms like Google Workspace, Atlassian, and Slack.
• Commercial thinking: Experience with vendor management, license optimization, and IT procurement.
• Problem-solving skills: Structured, scalable approach to incidents, risk, and operational challenges.
• Strong collaboration skills: Clear communicator, comfortable working across teams; regulated industry experience is a plus.

Why you’ll enjoy working here?

• The chance to shape and modernize the internal tech environment of a growing fintech, with real ownership and impact.
• 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’d be happy to explore the fit with you.

We're looking for an Associate Manager, Marketplace Operations, to own Courier Delivery Time (CDT) end-to-end across Bolt Food's 16+ markets in Europe and Africa.

This role sits at the intersection of deep data analysis and cross-functional execution. You'll run the analysis yourself in SQL, identify what's driving performance, and work with local, central, and product teams to implement the changes that move the metric.

With over 200 million customers in 50+ countries, Bolt is one of the fastest-growing tech companies in Europe and Africa. And it's all thanks to our people.

We believe in creating an inclusive environment where everyone is welcome, regardless of race, colour, religion, gender identity, sexual orientation, age, or disability.

Our ultimate goal is to make cities for people, not cars, and we need your help to achieve this mission!

You'll be embedded in the Marketplace Operations function within our Central Operations team, which builds the operational foundations for Bolt Food to scale globally.

The right person for this role is a highly analytical executor, someone who digs into data themselves, identifies exactly what's driving performance, and then drives the operational changes that move the metric.

• Own CDT end-to-end across all markets. Build a deep understanding of its components — dispatch logic, courier supply, venue wait time, and delivery distance — and maintain a structured view of the biggest improvement opportunities at any given time.
• Run the analysis yourself. Deep-dive into CDT components by city, time of day, venue type, and courier segment using SQL. Translate findings into clear, prioritised actions — not just observations.
• Build and own core dashboards and reports that drive decision-making for central and local teams, including the primary CDT performance dashboard used across the organisation.
• Drive cross-functional execution. Work with local ops teams on delivery area changes, with Product on dispatch logic and ETA improvements, and with Pricing on cost-efficiency levers. Get things done across multiple stakeholders and time zones.
• Optimise delivery areas and radius strategy across 250+ cities to reduce average delivery distance, cut cost per order, and remove underperforming fringe zones — small distance improvements compound significantly at millions of monthly orders.
• Improve courier acceptance rate through non-monetary levers — smarter order matching, cash payment configuration, and vehicle type eligibility — each with a direct positive effect on CDT, cancellation rate, and courier satisfaction.

• You have 4+ years of relevant experience with a clear trajectory from analytical roles into business operations or marketplace management, including 2+ years working extensively with large data volumes.
• You have advanced SQL skills — you write complex queries confidently, work with large datasets daily, and navigate data infrastructure independently. This is non-negotiable.
• You have experience translating analysis into operational change — going beyond dashboards to implement changes cross-functionally, measure results, and take ownership of outcomes.
• You have experience with data visualisation tools (Looker, Tableau, or similar) and a solid grasp of statistics, including A/B test design and interpretation.
• You have strong stakeholder management skills, capable of aligning diverse teams, influencing without authority, and communicating clearly across seniority levels in English.
• You are based in Tallinn or willing to relocate (relocation support to Tallinn HQ is available), and comfortable working in a hybrid setup.

Experience is great, but what we really look for is drive, intelligence, and integrity. So even if you don’t tick every box, please consider applying!

• Accelerate your professional growth with unique career opportunities.
• Enjoy a rewarding salary and stock options, knowing that as Bolt succeeds, so do you.
• Take care of your physical and mental health with our wellness perks.
• Celebrate 5 years at Bolt with a 1-month paid sabbatical to recharge.
• Connect with colleagues at annual company events and smaller team gatherings.
• Balance flexibility and in-person collaboration with our hybrid model, including at least 12 monthly in-office days.

*Some perks may differ depending on your location and role.

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. With a focus on innovation and growth, we are looking for talented people to join our team of 450+ working across our offices in Estonia, Latvia, Lithuania, Poland, and the Czech Republic.

Due to our ambitious AI integration goals, we are looking for an AI Platform Engineer to join our Product & Technology unit in Tallinn. 

At Inbank, AI is already embedded in our products and workflows—you won’t be starting from scratch. Instead, you will build on an existing foundation and scale its impact across the organization.

This is a hands-on role with strong strategic impact, working closely with the CPTO & Head of Tech Platform to shape and drive our AI platform strategy. You’ll play a key role in guiding decisions across architecture, tooling, and cloud infrastructure, helping turn vision into execution. In doing so, you will connect AI strategy to tangible business value - ensuring strong ROI while upholding banking-grade security, data protection (DLP), and regulatory compliance.

What you will be doing?

• Take ownership of how AI evolves at Inbank—shaping the strategy and turning ideas into production-ready solutions.
• Work closely with the CPTO & Head of Tech Platform to build and evolve Inbank’s AI ecosystem, making key decisions on LLM architecture (internal vs. external), agentic tooling, and cloud infrastructure.
• Evaluate the current landscape of tools and applications to identify what delivers value, where improvements are needed, and where AI and automation can have the greatest impact.
• Design, prototype, and implement AI solutions (PoCs), writing code and configuring services to validate ideas quickly and scale successful ones into production.
• Own AI as an internal product—managing vendor costs, optimizing model usage, and ensuring every initiative delivers measurable business value and ROI.
• Build a secure and scalable AI foundation for a regulated environment, ensuring GDPR compliance, enforcing data loss prevention (DLP), and maintaining strong auditability.
• Enable engineers across the organization by providing the right toolkits, frameworks, MCP servers, and best practices for safe and effective AI adoption.
• Establish clear guidelines and governance for AI usage, working closely with Risk, Oversight, and senior leadership to ensure compliance and alignment with company priorities.
• Contribute to the long-term vision of embedding AI across Inbank, making it a secure, scalable, and impactful part of everyday work.

Ideally, you would have:

• A strong background in machine learning, data engineering, or similar, with a solid understanding of how models and data systems work in practice.
• The ability to move seamlessly between big-picture thinking and hands-on execution.
• Experience working with modern AI ecosystems, including LLMs and cloud-based platforms.
• A sharp eye for data quality and an understanding of how it impacts the success of AI solutions.
• A practical mindset for turning technical capabilities into real business impact and measurable ROI.
• Experience working in environments where security, privacy, and regulatory requirements matter (fintech is a plus, not a must).
• Confidence engaging with senior stakeholders, challenging ideas, and influencing decisions.
• The ability to communicate complex topics in a clear, structured, and convincing way.
• A proactive, ownership-driven approach and comfort operating in a fast-moving, sometimes ambiguous environment.

Why you’ll enjoy working here?

• You'll be taking ownership within an already active AI ecosystem, working alongside top leadership to elevate it further.
• Competitive salary aligned with your experience and expertise.
• Wellbeing support, including sports compensation or additional health insurance.
• Extra vacation days starting from your third year with us.
• 6-week paid sabbatical after four years at Inbank for employees with strong performance.
• A challenging and inspiring environment where you have the autonomy to shape the AI backbone of a leading fintech.
• Dedicated learning and development budget to support your professional growth.
• Fun and connection through company-wide and team events.

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.

We’re looking for an enthusiastic Security Engineer Intern to join our team in Tallinn. 

In this hands-on role, you will work alongside engineers to strengthen the security of our systems and development practices, gaining practical experience across product development, operations, and internal processes. If you’re interested in software development, infrastructure, or cybersecurity and want to build real-world experience in a fintech environment with guidance from experienced colleagues, this role is for you.

What will you be doing?

• Assist with security checks and improvement initiatives across applications, systems, and internal processes.
• Support secure development practices by reviewing findings, documenting risks, and following up on fixes.
• Contribute to access management, monitoring, and other operational security tasks.
• Collaborate with engineers to understand system architecture and identify security improvement opportunities.
• Participate in team planning and collaborate with both technical and non-technical stakeholders.

 Ideally, you:

• Have a basic understanding of programming, scripting, or software development concepts.
• Are familiar with Git, APIs, Linux/command line, cloud environments, or microservices architecture (considered an advantage).
• Have a strong interest in application and infrastructure security.
• Demonstrate curiosity and a willingness to learn new technologies and explore how systems work.
• Show a proactive, problem-solving mindset with a desire to continuously develop your skills.
• Have strong written and verbal communication skills in English.

What you’ll get in return?

• An opportunity to learn from a diverse group of people who excel at what they do.
• A paid internship from June to August.
• A personal mentor — an experienced professional you can always reach out to.
• Opportunities to expand your professional network and take part in events for our interns.

This is an excellent opportunity to gain real-world experience, work on impactful initiatives, and grow professionally. Ready to kick-start your career? Apply now!

When submitting your application, please ensure your CV is in English.

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.

We’re looking for an enthusiastic Workplace Services Engineer Intern to join our Tallinn office. 

As an WPS Intern, you will help bridge the gap between daily operations and long-term system optimisation. You will support the team by ensuring accurate Identity and Access Management (IAM) mappings, assisting with the preparation of upcoming system developments, and providing hands-on support for daily technical tickets to maintain a seamless workplace experience.

What will you be doing?

• Refine IAM mapping and documentation to streamline and improve user access.
• Contribute to the technical preparation and rollout of new system features.
• Handle daily support tickets, ensuring timely resolution of user issues.
• Troubleshoot technical problems and support the stability of the WPS ecosystem.
• Gain hands-on experience maintaining systems in a fast-paced environment.

 Ideally, you:

• Have a basic understanding of IT systems and Identity & Access Management (IAM).
• Are able to clearly document processes in a structured and understandable way.
• Demonstrate curiosity and a strong willingness to learn new technologies and explore how systems work.
• Show a proactive, problem-solving mindset with a desire to continuously develop your skills.
• Have strong written and verbal communication skills in English.

What you’ll get in return?

• An opportunity to learn from a diverse group of people who excel at what they do.
• A paid internship from June to August.
• A personal mentor — an experienced professional you can always reach out to.
• Opportunities to expand your professional network and take part in events for our interns.

This is an excellent opportunity to gain real-world experience, work on impactful initiatives, and grow professionally. Ready to kick-start your career? Apply now!

When submitting your application, please ensure your CV is in English.

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.

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.

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 seek a talented Credit Risk Modeller to join our Tallinn office.

As a Credit Risk Modeler, you will play an important role in developing and enhancing credit risk models, with a strong focus on IFRS 9 Expected Credit Loss (ECL) methodologies, calculations, and framework development across all Inbank markets. You will directly contribute to portfolio performance, risk assessment, and the accuracy of financial reporting.

In this role, you’ll be one of the key contributors within our Credit Risk Control team - tackling complex challenges, sharing ideas, and working alongside talented professionals to keep our credit portfolio strong, balanced, and future-ready.

What will you be doing?

• Developing and maintaining IFRS 9 Expected Credit Loss (ECL) models, including staging, segmentation, and macroeconomic overlays.
• Supporting provisioning processes and financial reporting activities.
• Monitoring model performance and implementing enhancements to improve existing models.
• Contributing to the development and documentation of IFRS 9 methodologies, ensuring alignment with internal standards and regulatory requirements.
• Collaborating with risk, data, and engineering teams on ad hoc credit risk modelling projects.

 Ideally, you would have:

• 1-2 years of previous experience in credit risk modelling (experience in IFRS 9 Expected Credit Loss (ECL) frameworks is an advantage) or other statistical modelling related field. 
• Solid knowledge of statistical methods and practical experience with modelling techniques.
• Proficiency in SQL & Excel (experience with R or similar modelling tools is a plus).
• Familiarity with the regulatory framework in the credit risk domain is an advantage.
• Strong communication skills in English & Estonian, with the ability to translate complex concepts into clear, actionable insights

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.

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 seek a driven Credit Risk Analyst to join our Tallinn office.

As a Credit Risk Analyst in our Risk Team, you will play a key role in assessing, monitoring, and improving the performance of our consumer lending portfolio across multiple markets. By turning data into insight, you’ll help shape smarter lending decisions - from evaluating creditworthiness to refining risk models - directly influencing how we manage risk, support sustainable growth, and maintain a strong, well-balanced credit portfolio. You’ll also analyse portfolio trends and calculate expected credit losses in line.

In this role, you’ll be one of the key contributors within our Credit Risk Control team - tackling complex challenges, sharing ideas, and working alongside talented professionals to keep our credit portfolio strong, balanced, and future-ready.

What will you be doing?

• Monitoring credit portfolio performance, identifying key risk drivers, and providing actionable insights across Inbank’s 5 operating markets.
• Analysing customer behavior, loan performance, and emerging risk trends.
• Preparing regular risk reports and dashboards for internal stakeholders to support decision-making.
• Collaborating with product, data, and collections teams to improve credit processes.
• Contributing to the development and optimisation of credit policies.

Ideally, you would have:

• 2–3 years of previous experience in Credit Risk, Data Analysis, or a similar analytical role.
• Strong analytical skills and the ability to interpret complex datasets.
• Intermediate proficiency in SQL and Excel; experience with Tableau (or a similar reporting tool) is a plus.
• Understanding of consumer lending products and credit risk principles.
• Strong attention to detail and a structured approach to problem-solving.
• Excellent communication skills in written and spoken English.

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.

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 seamlessly embedded into the shopping journeys of 6,000+ retailers, helping merchants grow their businesses while enabling customers to enjoy a frictionless shopping experience. Today, 440+ people work at Inbank across Estonia, Latvia, Lithuania, Poland, and the Czech Republic, building innovative financial solutions for the future of commerce.

As part of our growth ambitions, we are looking for a Commercial Growth Manager to join our Tallinn office and help drive strategic partnerships and new growth initiatives across our European markets.

Our Growth & Strategic Initiatives unit acts as Inbank’s internal growth engine — identifying new commercial opportunities, scaling high-potential partnerships, and accelerating strategic initiatives across the business.

In this role, you will operate at the intersection of new business development, strategic partnerships, and large-account growth. You will work with complex partners where success is driven by commercial creativity, disciplined execution, and strong partner activation. Your mission will be to identify, develop, and scale new growth initiatives while owning the commercial success and expansion of high-potential strategic accounts.

What you’ll be doing?

• Identifying and shaping new growth opportunities by developing new use cases and partnership models.
• Building and developing relationships with large strategic partners across multiple industries.
• Leading commercial negotiations and structuring win–win partnership agreements.
• Supporting the launch and scaling of new initiatives across selected European markets.
• Turning customer, partner, and market insights into commercial initiatives that drive growth.
• Driving partner performance, growth, and long-term retention.
• Contributing to pipeline management, forecasting, and commercial planning.
• Collaborating closely with product, risk, and operations teams to ensure initiatives are feasible and scalable.
• Coordinating internal stakeholders to ensure smooth execution and delivery.

Ideally, you’d have:

• Proven previous experience in commercial roles, business development, or strategic partnerships in a B2B environment.
• A strong track record of developing growth initiatives and new commercial opportunities.
• Experience managing large or strategic accounts and growing long-term partnerships.
• The ability to work across multiple markets and collaborate with cross-functional teams.
• Strong relationship management skills and the ability to influence senior partner stakeholders.
• The ability to combine strategic thinking with hands-on execution.
• A commercially sharp and data-driven mindset, with a pragmatic approach to problem solving.
• Excellent communication skills and confidence in commercial negotiations.

Why this role matters?

• A visible role in shaping Inbank’s strategic growth across multiple European markets.
• Real ownership and impact in developing new initiatives and growing key strategic partnerships.
• Direct exposure to senior stakeholders and decision-makers, both internally and externally.

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.

We are looking for an experienced Senior Data Analyst to join our Product Analytics team and help us scale and improve our products across 50+ countries.

Bolt is one of the fastest-growing tech companies in Europe and Africa, with over 200 million customers in 50+ countries. We’re a global team of more than 100 nationalities joined on a common mission – to make cities for people, not cars. And we need you to make it happen!

Our whole platform lives and breathes on data, and in order to succeed we are a highly data-driven company. Every step of our product development is accompanied by Data Analysts who identify opportunities, estimate the impact, collaborate on delivery and measure the effect.

Every Product Analyst at Bolt is embedded into a particular product team. We have three product verticals that build our core products – Ride-Hailing, Delivery (Bolt Food and Bolt Market) and Rentals (e-bikes, scooters, and carsharing), as well as two horizontals - Platform and Incentives. Platform team develops our own geo, user identity, automation and customer support products. Incentives team supports every customer-facing product with strategy and methodology on optimisation, long-term forecasts and large-scale A/B testing

We have many open roles in Bolt’s growing Product Analytics team. Once you apply, you will go through a universal process that will allow you to learn more about the Product Analytics function and help us find the best product team that matches your skills and aspirations!

We believe that every decision can and should be accompanied by data - if you feel the same way, you’ll fit right in! Scroll down to find out what daily adventures you can face as a Product Analyst at Bolt!

• Interpret data, analyse results using statistical techniques and provide reports to make business recommendations (e.g. cost-benefit, forecasting, impact analysis)
• Proactively work together with other stakeholders to communicate data-based insights
• Identify, analyse, and interpret trends or patterns in complex data sets
• Work with Product Managers to prioritise business and information needs

• You hold BS in Mathematics, Economics, Computer Science, Information Management or Statistics
• You have at least 2-4 years experience dealing with large volumes of data
• You can rank your SQL skills as “outstanding” and Python/R experience as “profound”
• You have experience with some BI tools and data visualisation
• You can prove your ability to lead experimentation: applied statistics, designing and analysing experiments, providing recommendations
• Your verbal and written communication skills are outstanding and you are fluent in English

Experience is great, but what we really look for is drive, intelligence, and integrity. So even if you don’t tick every box, please consider applying if you feel you’re the kind of person described above!

• Play a direct role in shaping the future of mobility.
• Impact millions of customers and partners in 600+ cities across 50 countries.
• Work in fast-moving autonomous teams with some of the smartest people in the world.
• Accelerate your professional growth with unique career opportunities.
• Get a rewarding salary and stock option package that lets you focus on doing your best work.
• Enjoy the flexibility of working in a hybrid mode.
• Take care of your physical and mental health with our wellness perks.

*Some perks may differ depending on your location.