February 14, 2017,

Bondora Capital is searching for Head of Investor Relations

Bondora Go & Grow

Editorial team

FinTech is the industrial revolution of our time and Bondora is at the center.

We are looking for someone join us as Head of Investor Relations.

Why Bondora is different

Bondora empowers communities by leveraging technology to connect investors and borrowers. Our model makes affordable, fast lending accessible for underbanked regions.

Our marketplace investor base is largely retail with over 22,000 investors from 40 countries. The transparent framework of our business has given users the confidence to invest more than 80 million euro delivering over 17 million euro in interest.

The result: 89% of investors earn more than 10% annually and borrowers get loans without hassle. Our marketplace lending solutions have generated returns above peer groups since 2009.

We want someone to broadcast our message of value as we
continue to usher in an era of financial prosperity.

We’re looking for someone who

Understands the power of marketplace lending to transform the world of finance.
Has experience in managing public relations and social media communication and you
do not buckle when faced with complex questions
Has the ability to lead and support a team of investor relations associates.

What are the responsibilities?

Management of Bondora’s investor relations strategy and implementation.
Handling of all our social media channels.
Establishing and growing personal relationships with key customers.
Creating a network of external partnerships relevant to investor relations.
Sustaining a high performing, well-trained team that delivers results.
Stay ahead of industry developments.
Remain vigilant of competitors and regulatory changes.

Join our team and get…

A chance to engage with an international team of high energy, young professionals ready to change the world of finance.
A chance for potential long-term growth in an environment built for your success with a casual start-up feel.
A direct engagement with our CEO and a clear line of communication to all team members to create change.
A family of supportive team members committed to collaboration.

The bottom line: We’re offering the opportunity to stand at the fore of the most powerful innovation of today: the democratization of finance.

The location of the job is Tallinn, Estonia.

To apply: Please send your CV and cover letter to partel.tomberg@bondora.com.

Bondora Go & Grow

Editorial team

At Go & Grow, our Editorial Team combines years of fintech experience with a passion for financial education. We’re here to share trustworthy insights, platform updates, and easy-to-understand investment tips for everyone.

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Frequently Asked Questions

How is Bondora regulated?
Bondora Capital’s business model is unique, with no direct precedents in the market. As such, there is currently no specific regulatory license that directly applies to our Go & Grow product. However, we work proactively with regulators across the EU to ensure full compliance with all applicable local laws and regulatory frameworks.

To support this, we regularly publish financial updates, audited annual reports, and disclosures, reinforcing our commitment to transparency and investor trust.

At the same time, Bondora Capital is subject to all relevant general regulations, including (but not limited to) the Estonian Consumer Protection Act, the Law of Obligations Act, the Commercial Code, the Accounting Act, the Competition Act, and the General Data Protection Regulation (GDPR).

Additionally, Bondora AS, a member of the Bondora Group, operates as a Licensed Credit Provider under the supervision of the Estonian Financial Supervision and Resolution Authority. In Finland, we operate through a licensed branch regulated by the Finnish Financial Supervisory Authority. We also hold an operating license in Latvia, supervised by Latvijas Banka, and have recently received regulatory approvals to operate in both Denmark and Lithuania.
Are Bondora AS's loans secured?
Bondora issues unsecured loans, meaning credit customers are not required to provide collateral. This approach allows us to offer a faster, simpler, and more accessible lending experience.

Risk is mitigated through multiple layers of protection. Our underwriting process is powered by predictive, data-driven models, trained on deep datasets collected over 17 years. Each borrower is carefully evaluated using a wide range of creditworthiness indicators before any loan is issued.

With Go & Grow, your investment is automatically diversified across hundreds of thousands of loans in multiple countries. This significantly reduces individual borrower risk and adds a layer of protection against regional or geopolitical events.

In the rare event of non-payment, we follow a structured recovery process, working with professional debt collection agencies and, when needed, escalating cases through local legal channels to pursue repayment.
What happens when a borrower doesn't repay?
At Bondora, we do a lot to prevent repayment issues before they happen. Our advanced data models carefully assess each borrower’s creditworthiness, using historical data and predictive analytics to minimize the likelihood of default from the start.

If a payment is delayed, we act quickly but thoughtfully. From the first day of the delay, we reach out to the customer via email, SMS, and automated calls to remind them of their delayed payment and offer flexible options to get back on track. The aim is to find a solution together, whether that means a new payment date or a short-term adjustment.

If the situation doesn’t resolve, we may involve our internal teams or trusted partners to continue the dialogue and explore further options. In some cases, if communication is unsuccessful, the matter may be escalated to the local legal system in line with standard procedures. Legal steps are always a last resort, and the goal is to find the best possible outcome for everyone involved.

Throughout this process, our focus remains on recovering outstanding amounts responsibly and respectfully while protecting investors’ interests.

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What are temporary partial payouts?
Under normal conditions, your Go & Grow withdrawal is paid in full with a single transaction near-instantly. However, in rare and extraordinary circumstances, partial payouts may be activated temporarily. This means your withdrawal will be split into smaller, daily payments until the full amount has been delivered. Only one €1 withdrawal fee applies once you’ve received the full amount.

This protective feature was built into Go & Grow from the start to help maintain stability and safeguard investor returns, so you can stay on track and stay earning, even when the world feels uncertain.

In Bondora’s 17-year history, partial payouts have only been activated once.

While we aim to keep Go & Grow fully liquid, this feature ensures that when conditions require it, your investments remain protected and continue to work for you.
What happens to my investments if Bondora goes bankrupt?
Your money is protected. Even in the highly unlikely event that Bondora Capital becomes insolvent, your investments remain yours. Investors legally own the loan claims, not Bondora Capital.

This means Bondora’s financial situation does not affect the legal ownership of those claims—they continue to belong to the investors. The claims are not part of Bondora’s bankruptcy estate.

Risks related to Bondora as a company are separate from the risks associated with your investment portfolio. Simply put, if Bondora disappears, your investment doesn’t.