Senior Compliance Officer

What is this role about?

As our Senior Compliance Officer, you’ll play a key role in strengthening Bondora’s second-line compliance function as we expand our financial services business across Europe and prepare for our next stage as a bank. While we operate today as a credit provider, our banking licence application means the Compliance team is already working with broader regulatory topics and supervisory expectations that will shape Bondora’s future operating model.

You’ll work closely with management and product teams, with real ownership of regulatory change, compliance risk management, policy development, and supervisory communication. This role is well-suited to someone who wants to move beyond formal compliance checks and help build practical, scalable compliance processes in a fast-moving fintech environment.

We’re looking for someone who can build repeatable AI-assisted compliance processes, while applying professional judgment to validate accuracy, legal soundness, and regulatory defensibility.

Your main responsibilities:

• Monitoring regulatory developments and assessing their impact on Bondora’s products, processes, and controls.
• Maintaining and improving compliance policies, procedures, and internal controls.
• Conducting compliance risk assessments, second-line monitoring, and follow-up on remediation actions.
• Advising business, product, legal, and management teams on regulatory and compliance matters.
• Preparing compliance opinions, management updates, and practical recommendations.
• Supporting communication with supervisory authorities and coordinating regulatory responses.
• Developing compliance training and awareness materials for employees.

This role is in Estonia, and proficiency in Estonian is required. 

What would ensure success in this role?

Success in this role is determined by analytical expertise, process oversight, and data accuracy management. The ideal candidate will have:

• A Master’s degree in Law or an equivalent legal or regulatory background.
• At least 5 years of relevant experience in compliance, financial services, legal or regulatory advisory, internal control, or financial-sector supervision.
• Strong knowledge of Estonian and EU financial services regulation, ideally with experience in consumer credit, fintech, banking, or credit providers.
• Ability to interpret laws, supervisory guidance, and regulatory expectations and turn them into practical business requirements.
• Hands-on experience drafting policies, procedures, compliance opinions, regulatory responses, and management-level summaries.
• Strong compliance risk assessment, monitoring, and control testing skills.
• Strong analytical skills, sound judgment, stakeholder management, prioritisation, and attention to detail.
• Excellent written and verbal Estonian and English.

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 recognise 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 Kerli, our Recruiter: Share your experiences and aspirations. 
• Collaborate with Kerly, our hiring manager: Learn more about the role.
• Put your skills to the test: Tackle a home task to showcase your skills.
• Assessments: Complete our personality and logic assessments.
• Engage with Vytautas, our Chief Risk Officer: Present your ownership and strategic fit to the team.
• Iterate with our Bar Raiser for the role: This conversation brings in an additional perspective and helps us assess the overall fit with Bondora’s ways of working and expectations for the role.
• The celebration begins: If the stars align, receive an offer to join the Bondora team!