Head of Retail Credit Risk Department

HEAD OF RETAIL CREDIT RISK DEPARTMENT

You will shape how we manage and grow our consumer and housing loan portfolios across five countries. Your leadership will directly impact business results, enable agile decision-making, and ensure we maintain targeted portfolio quality while seizing growth opportunities. This is a role where strategic thinking meets hands-on execution, giving you real influence over the bank’s direction.

How you will create value

• Lead, develop, and inspire an international team of 8 credit risk officers in order to ensure effective management of consumer loan credit portfolios across the Baltic States, Finland, and Bulgaria, and housing loan portfolios in the Baltic States

• Develop, implement, and update credit risk policies and processes aligned with business goals and regulatory requirements

• Monitor credit risk limits and key risk indicators, initiate corrective actions when relevant, ensure timely reporting to senior management teams

• Ensure strong coordination of credit risk matters with business units, closely collaborate with business leaders on shaping and executing strategic and business objectives

• Ensure effective cooperation with stakeholders across the organisation and maintain transparent communication on credit matters

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Our expectations for you

• You have a degree in economics or a related field

• You have proven experience in credit risk management within consumer or housing loans, with deep knowledge of at least one the product areas

• You possess leadership experience in managing teams directly or through projects

• You understand credit risk principles, credit risk scoring models, and ECL framework

• You have a good understanding of responsible leading principles and regulatory requirements

• You combine analytical strength with sound judgment and decision-making ability

• You have excellent communication, negotiation, and presentation skills in English

• You are business-oriented, agile, and hands-on to influence business direction

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Why join us?

• Direct impact on results – your decisions will shape our  business results and growth strategy

• Agile environment – ideas are implemented quickly, and decision-making chains are short

• High growth potential – we are expanding rapidly, offering significant opportunities for career advancement

• International leadership – manage a cross-border team, collaborating daily with diverse stakeholders

• Supportive culture and continuous development – work with a professional and motivated team in a collaborative, people-focused environment; access to leadership programs, training, and growth opportunities within the bank