Credit Risk Officer

Operations Department




UAB „smeFinance“

We are a team of experienced professionals in the fast-growing Fintech sector devoted to help businesses grow. We offer a wide range of financing services for businesses: factoring, business loans, payments, credit line, leasing.

We are the leading B2B financing platform in the Baltics, having created an exclusive ecosystem in which ‘SME Finance’ operates as a ‘fintech’, and a neobank ‘smeBank’ that operates as a ECB licensed legal entity. We have ambitious ideas and aim to become the most professional digital lending platform, recognised by clients and partners not only in the Baltics, but also in many other European countries.

Join us on our exciting journey. Why smeFinance?

  • We are among the TOP #Fintech companies in the Baltic states
  • We are the biggest provider of non-banking business financing in the Baltic region
  • You will play a major part in driving the future development of smeFinance Group financial products in Europe making Lithuania a global leading country in small and medium enterprises financing.

In this role you will:

  • Credit quality control on daily basis, quality checks, reporting;
  • Implement credit analysis, credit risk assessment of potential and current customers and counterparties;
  • Analysis of tendencies in various sectors and impact on credit portfolio;
  • Provide analytical support to the Management Board in credit risk management reporting, preparing, updating credit related policies and procedures;
  • Participate / initiate various credit related automation projects;


  • University degree in Economics, Finance, Banking, Econometrics, Law, Business or similar;
  • At least 1 year work experience in SME lending/risk assessment area;
  • Experience in banking sector would be significant advantage
  • Be able to collect, systematize, analyse data and information;
  • Strong attention to details;
  • High proficiency of written and spoken English.

What can you expect from us:

  • A competitive compensation package;
  • Education & Personal Growth;
  • Working with a diverse and results-oriented team;
  • A chance to get exposure to different areas of an international business;
  • Great company events and team retreats.

Salary: from 

-2800€/mon. gross

Sounds interesting – you and SME Finance IT team could be a match! Let’s have chat!

Please submit your CV/resume[email protected]outlining how your previous experience makes you suitable for the role.

Benefits at smeFinance:

Education & Personal Growth

Strong support & attention for every employee’s personal & career development

Engaging & caring environment

Great company events, initiatives & open-minded culture for every employee to offer something new

Workplace flexibility

Employee can choose best working arrangement - office/hybrid

High-performing working culture

Possibility to work with ambitious, collaborative & fun team of top talents

Remote work

EU country - 2 months during a calendar year, no longer than 30 days in a row. Non-EU country - 30 calendar days during 1 calendar year.

Volunteering day

1 paid day per calendar year for volunteering activity.

B-day off

Employee can take 1 paid day-off during the month of his/her birthday.

Trust day

Employee can take 1 paid day-off per calendar year in case of his/her or family members’ illness without any doctor’s note.

Loyalty days

Employee working in the company more than:

  • 1 year gets 1 additional day-off.
  • 2 years gets 2 additional day-offs.
  • 3 years gets 5 additional day-offs every year.

* Loyalty days should be used during the year. Could not be added to employee’s vacation balance.

Verslo paskolos, sąskaitų finansavimas, „Flexi“ finansavimas


A.Tumėno g. 4-15, LT-01109

I.K. 304254910

PVM LT100010246715

+370 601 77777

[email protected]

Verslo ir privačių klientų lizingas


A.Tumėno g. 4-15, LT-01109

I.K. 305625261

PVM LT100013636215

+370 666 29559

[email protected]

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2023. SME Finance. Visos teisės saugomos.