Credit Risk Optimization Product Manager

Tallinn, Harju, Estonia

At Bondora, our mission is clear: to empower people to enjoy life more while alleviating the stress of managing finances. Founded in 2008, Bondora has proudly served a diverse community of over 1 million customers for an impressive 16 years.

As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers. Our investment product is available Europe-wide, and we’re actively expanding our loan product footprint to 11 new countries.

Join us on this journey and let’s build the future of finance together!

What is this role about?

As the Credit Risk Optimization Product Manager, you will be at the forefront of driving Bondora’s credit risk decision-making process forward. Your primary goal will be to enhance the company’s underwriting workflows and credit assessment models, optimizing how credit risk is managed across existing and new markets. You will collaborate with key stakeholders such as the Risk, Data Science, and Engineering teams to build and manage a roadmap of improvements, ensuring that Bondora remains competitive and efficient in its credit risk management.

Your responsibilities will be:

• Build and execute a product roadmap to optimize Bondora’s credit risk decision processes.
• Work closely with development teams, prioritizing tasks directly impacting business goals like portfolio growth.
• Oversee migrating existing systems, such as the pricing engine, to more modern platforms like Taktile.
• Ensure transparency and maintain clear communication with internal stakeholders on all underwriting and risk process developments.
• Monitor underwriting performance, identifying and addressing bottlenecks in real time.

What would ensure success in this role?

• Strong background in product management or credit risk management within financial services.
• Proven ability to manage development teams and tasks using Jira.
• Experience with decision engines such as Provenir, Taktile or others to enhance the product configuration flexibility with limited technical assistance
• Ability to clearly articulate technical changes to non-technical stakeholders.
• Organized approach to managing complex workflows and risk assessments.

What can you expect at Bondora? 

• Contribute to Bondora’s ambitious goal of reaching 1BN in revenue.  Your skills and efforts will directly impact our growth trajectory and shape the future of our company.
• Our employees deserve the best. We recognize our people with a competitive salary and a generous benefits package (5 weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, share options and much more!)
• We provide an environment that encourages your personal and professional growth. As we constantly evolve and innovate, you’ll have endless opportunities (and budget) to expand your skills and skyrocket your career.

The next steps

If you have the guts, ideas, and a team vision, apply now! 

Our hiring process: 

• Meet Betti, our Head of Talent Acquisition: Your first interview with Betti will give you the chance to share your experiences and aspirations. 
• Assessments: Complete our personality and logic assessments to showcase your strengths through Alva Labs. 
• Engage with Juris, our Chief Credit Officer and other stakeholders: Impress our Chief Credit Officer with your passion and insights. 
• Meet Aleksandra, our VP of Product.
• The celebration begins: If the stars align, receive an offer to join the Bondora team! 

Join our team of Bondorians, and let’s make it happen!

If you’d like to read how Bondora collects, uses, and protects your personal data during recruitment, please see here.