Founded in 2012 and with HQ in Riga, Eleving Group is a publicly listed international fintech operating across 18 countries on 3 continents.
Our team of 4,600+ people brings together different cultures, perspectives, and experiences. Together we create vehicle, smartphone, and consumer financing solutions for more than 2.2 million registered users worldwide.
At Eleving Group, you’ll think beyond one role, team, or market — working across borders, making an international impact, and seeing your work travel beyond your desk as you grow with the company.
Atis VerdenhofsHead of Credit Risk Europe
your missionYou’ll take ownership of portfolio performance across Eleving Europe, identify risks and growth opportunities, and develop and optimize credit strategies that support sustainable growth and portfolio quality. The role offers real responsibility and the opportunity to address complex credit risk challenges across different markets.
salaryEUR 3,900 to EUR 5,300 gross
teamCredit risk
locationRiga, Latvia
your responsibilities
- Create predictive statistical models to support lending strategies
- Build and support automated loan approval decision engines
- Through credit rules and underwriting tools, maintain assigned loan portfolio risk indicators to comply with business strategy
- Drive data-informed decisions on loan origination processes and credit rules
- Conduct regular and ad hoc credit risk reviews
- Escalate fraud cases, risk outliers, changing portfolio behavior and potential risk drivers
- Calculate PDs using different models and techniques
- Work closely with country management, commercial, collections, and data science teams to improve portfolio performance
- Ensure high-quality reporting and data analysis
- Develop in-depth business knowledge and become a trusted advisor to top management on credit risk decisions
what we're looking for
- Proven experience in credit risk analysis (preferably – in consumer lending or leasing sector)
- Ability to form & communicate independent views, challenge existing approaches, and recommend changes
- Degree in economics, finance, mathematics, econometrics or related field
- Strong analytical skills and attention to details
- Experience of working with SQL databases
- Knowledge or willingness to learn R and/or Python
- Proficiency in Excel
- Fluent English
- Can-do attitude, high sense of responsibility
what we offer
- Performance-based annual bonus
- Health insurance from Day 1
- Hybrid work & flexible working with 3 days a week from the office
- Support for learning & development
- The chance to work across fast-growing markets and grow your career as the company expands