Join our team as a Credit Risk Manager!

Yes, you can! That's our attitude towards our work, ambitions, ideas, and relationships. We at Luminor believe that anyone has the potential to achieve big things and encourage everyone to achieve them, professionally and personally. 

Whoever you are and whatever your role is, with Luminor, you will get a once-in-a-lifetime opportunity to build a local banking champion.

How You Will Make an Impact:

•  Identify, assess, and manage credit risks across retail and small business lending portfolios.

• Monitor portfolio performance and credit risk metrics, recommending actions to achieve risk appetite and business targets.

• Contribute to the design, automation, documentation, and continuous improvement of credit risk reporting, analytics, and governance processes, ensuring high-quality insights, clear data logic, robust reporting standards, and effective portfolio-level risk management

• Oversee of credit risk tools performance in context of business and risk targets and initiate data-driven improvements in risk rule definitions, affordability and offer calculations, to ensure profitable growth of the business and process efficiency

• Provide requirements for lending automation projects and support translation of business needs into technical system requirements 

What Makes You a Great Fit:

• 3+ years in credit risk management in retail banking, or SME lending, with a focus on credit policy and rules development, risk modeling, or automated decision systems

•  Fluent English and local language is required in spoken and written communication due to working on the Pan-Baltic level 

Why You Will Love Working Here:

• Flexibility. Flexible working hours, Hybrid work, and the possibility to work from anywhere in the EU, Iceland, Switzerland, and the UK (in total 90 days per year)

• International teams. Teams that go outside Pan-Baltic borders, where people value challenging work together with good humor and having fun

• Culture. You’ll be joining a team where things move fast, ideas flow freely, and change is part of the everyday. It’s a dynamic environment that keeps you learning, growing, and never bored

• More vacation. Additional weeks of vacation are available to all employees who have been in the company for 1 year or more

• Volunteer time off. We care about giving back to society, therefore, you will get additional days off for volunteering purposes

• Paid leave. We are proud of our employees who are participating in military training. Therefore, Luminor offers 30 fully paid calendar days for military training every year

• Health benefits. A competitive benefits package in addition to your salary that includes health insurance after the first 3 months pass in all three Baltic states, as well as Health days in case of your absence due to sickness without a doctor's note needed

• Wellbeing. Access to tools and resources that help you feel good and be productive at work and in life

• Professional growth. Internal and external training programs, LinkedIn learning, workshops, conferences, online training, etc

• Special Offer for Luminor products & services. Enjoy special offers & pricing for products and services provided by Luminor

• Gross salary. 2700-4000 EUR/month, which is to be determined depending on your level of experience and competencies

The application deadline is the 23rd of July. We are looking for a candidate primarily already located within the Baltics. Please apply with your CV in English and PDF format!