At IPF Digital, we're building a better world through financial inclusion. IPF Digital is a global financial services provider on a mission to make financial services more accessible. We deliver innovative, customer-focused digital lending solutions across multiple markets under the Creditea and Credit24 brands.

We're looking for a Fraud Analyst to join our international Fraud & AML team in Estonia.

In this role, you'll play a key role in identifying fraud risks, analysing data, and developing insights that support smarter business decisions. Working closely with local markets and our global Credit & Fraud teams, you'll help strengthen fraud prevention, minimise financial losses, and support sustainable business growth.

If you enjoy working with data, solving complex problems, and turning analytical insights into meaningful business improvements, this could be the right opportunity for you!

Key Responsibilities:

• Analyse fraud and risk data to identify suspicious activities, emerging patterns, and potential financial risks.

• Develop and maintain fraud and risk reports, providing actionable insights to support business decisions.

• Monitor fraud trends and performance indicators to identify opportunities for improving fraud prevention and risk management.

• Support fraud detection and prevention by reviewing processes, identifying vulnerabilities, and recommending improvements.

• Collaborate with local markets and global Credit & Fraud teams to align data requirements, reporting, and fraud prevention initiatives.

• Conduct ad hoc analyses to support investigations, risk assessments, and business improvement initiatives.

• Present analytical findings and recommendations to stakeholders and management to strengthen risk awareness and business performance.

• Contribute to the development of fraud prevention processes and analytical capabilities to minimise losses and improve operational efficiency.

• Stay informed about emerging fraud threats, industry trends, and best practices.

Qualifications & Requirements:

• A bachelor's degree in Finance, Economics, Business Administration, Data Analytics, or a related field is preferred.

• Previous experience in fraud analysis, risk management, financial services, or a similar analytical role is an advantage.

• Strong analytical and problem-solving skills, with the ability to interpret complex data and identify meaningful patterns.

• Advanced Excel skills and confidence working with large datasets.

• Knowledge of SQL language is a strong advantage.

• Understanding of financial fraud risks, fraud detection techniques, and risk assessment principles is beneficial.

• Excellent attention to detail, accuracy, and organisational skills.

• Ability to manage multiple priorities, work independently, and meet deadlines.

• Strong communication skills, with the ability to present complex findings clearly and effectively.

• A proactive, curious, and collaborative mindset, with a willingness to challenge existing processes and suggest improvements.

• Fluency in English and Estonian, both written and spoken.

What We Can Offer You:

• A comprehensive benefits package to support your well-being;

• A flexible hybrid work model with the option to work from home;

• A dynamic, fast-paced environment where innovation thrives;

• The opportunity to make a real impact on company growth and success;

• A collaborative team of passionate, talented professionals.

You will enjoy working at IPF Digital if you value a truly international work environment where you can take responsibility for your tasks; you value a friendly and open work culture and good teamwork.

Here's how our team describes our culture:

"The culture at IPFD is driven by our shared values. People are put first; we accept differences and encourage individuality. Due to our flat business structure, we enjoy collaborating. Although recognition is highly valued, failure is also accepted. Enjoying some good times together is also highly encouraged!"

Sounds good? :)

Then apply and let's meet!