Credit Risk Controller

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.

Oversight of our credit risk appetite is essential to Inbank’s continued success. To further strengthen this capability, the Risk Control team is looking for a skilled and motivated Credit Risk Controller to join our Tallinn office and help ensure strong credit risk management across all Inbank operating countries.

In this role, you will be central to overseeing credit risk management activities across the Inbank Group. You’ll enhance the bank’s credit risk control framework by monitoring, assessing, and reporting on credit quality, while also developing and maintaining robust methodologies and processes. You will collaborate closely with both internal and external stakeholders to ensure that Inbank’s credit risk practices remain effective, data-driven, and fully aligned with regulatory expectations.

What will you be doing?

• Developing, preparing, and continuously improving regular credit risk reports and key risk metrics.
• Maintaining relevant policies and procedures while providing clear, actionable insights to senior management.
• Ensuring alignment between credit product conditions, approved risk decisions, and internal risk policies across all markets.
• Securing compliance with applicable regulations related to credit and business risk.
• Organising and actively contributing to Credit Committee meetings by providing independent insight, analytical input, and constructive challenge on key risk matters.

Ideally, You Would Have:

• At least 2 years of experience in credit risk management or analytics, preferably within consumer finance, retail banking, or credit institution auditing.
• In-depth knowledge of IFRS standards—especially IFRS 9—and hands-on experience with their practical application.
• Excellent analytical and problem-solving skills, with the ability to interpret complex data and turn it into meaningful insights.
• Solid organisational and time-management skills, paired with a proactive, ownership-driven approach to your work.
• Advanced proficiency in Microsoft Excel; experience with SQL or other analytical/BI tools is a significant advantage.
• Strong communication skills in English and Estonian, with the ability to explain complex topics clearly to both technical and non-technical audiences.

Why you’ll enjoy working here?

At Inbank, we believe great work deserves great rewards. That’s why we offer a competitive salary tailored to your experience, along with a comprehensive benefits package. You’ll enjoy sports compensation or additional health insurance, plus extra vacation days after your third year with us. To recognise long-term impact, we also provide a 6-week paid sabbatical after four years at Inbank.

Beyond the benefits, you’ll step into an inspiring, challenging environment where you can grow professionally, work in a hybrid and autonomous setup, and collaborate with talented teammates internationally. Add in regular team events and a variety of extra perks, and you’ll find that Inbank isn’t just a workplace—it’s a place to thrive.

If you’re driven by impact, eager to rewrite the rules of embedded finance, and excited to see your code improve real-world shopping journeys every day, Inbank is the playground you’ve been searching for.

• 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.