Regulatory Credit Risk Officer

Join us to build the best universal bank!

Bigbank is an Estonian bank with a strong international presence, operating across nine markets. We are expanding beyond lending into everyday banking, with the ambition to become a leading universal bank in our region.

What makes this journey unique is the opportunity to build core banking services from the ground up – using modern technologies and a next-generation platform, without the constraints of legacy systems.

If you are motivated by building something real, taking ownership, and making an impact, join us and help shape the future of everyday banking.

How do you create value?

As a Regulatory Credit Risk Officer, you are the bank’s central expert on regulatory credit risk. You ensure that Bigbank’s credit risk framework fully complies with regulatory requirements and is applied consistently across the organisation. You turn regulatory expectations into clear rules, processes and practical solutions.

You are a true expert in the team when

• Interpret and own the implementation of regulatory credit risk requirements, including definition of default, non‑performing and forborne exposures, loan origination and monitoring, collateral eligibility and valuation, and regulatory SICR within the IFRS 9 framework, ensuring their practical application in line with the bank’s risk appetite

• Ensure consistent implementation of regulatory requirements in procedures, internal rules, methodologies and operational processes

• Monitor regulatory developments and assess their impact on the bank’s credit risk framework, initiating necessary updates

• Ensure correct identification, classification, and treatment of credit risk, including proper loan staging and alignment with default, non‑performing and forborne statuses

• Advise stakeholders and support audits, supervisory processes and regulatory controls

• Develop and deliver trainings, contributing to strong organisational understanding and consistent application of regulatory credit risk principles

Our expectations for you:

• At least 5 years of experience in credit risk, regulatory risk or IFRS 9 within banking or the financial sector

• Strong understanding of market practices and hands‑on experience with regulatory credit risk frameworks, including loan classification, credit deterioration concepts, and the treatment of non‑performing and forborne exposures.

• Strong analytical skills and attention to detail

• Ability to translate complex regulatory requirements into practical solutions aligned with the bank’s risk appetite and business strategy

• Accuracy and a systematic approach

• Good command of English and Estonian, both spoken and written