Ave Sullin karjäär

Ave Sullin

Lead Analyst for KredEx Krediidikindlustus

I joined the KredEx Krediidikindlustus (Credit Insurance) team in 2010, right after the insurance company was founded. Over the years, the insurer has become an important adviser for Estonian companies and a partner in hedging credit risks.

My work allows me to make a contribution to Estonian companies’ success stories – I help them succeed even better in international competition. A credit analyst’s work is international and diverse, and so is our selection of export partners around the world.

We have also been able to convey our knowledge to companies by providing training in the field of financial analysis.

A pleasant work environment, enjoyable colleagues and the opportunity to work with top international personnel have all been fulfilling and contributed to my development.


Lisel Kaup karjäär

Lisel Kaup


I joined the KredEx team in February 2017. I had just returned from a longer trip and started looking for work. I actively conducted a job search and compared the requirements with my own skills and personality traits. KredEx was looking for a substitute receptionist but my prior work experience was in logistics. As I had heard that KredEx was a good employer, I decided to apply.
When I got the job, I had to consider that it was a temporary employment contract – I was filling in for an employee who was on childcare leave. I told myself that while it might be a short stint, I was still sure that I wanted to gain experience at such a prestigious company.

As an employer, KredEx puts effort into its people, giving them a chance to pursue development to be the best they can be in their job. I’m grateful that I received a good orientation programme and received help on a daily basis in performing my duties. Although I was working as a temp, I never felt that way – I was always listened to and treated the same as other team members.
I’m more than happy that I’ve had a chance to be a part of KredEx’s great team and that I had the opportunity to contribute in achieving KredEx’s goals.


Raina Toomvap karjäär

Raina Toomvap


I have worked for KredEx for over 10 years. I started out as accountant for the finance department, but in addition to everyday bookkeeping, I was in charge of applications for guarantees and the database of contracts.

When an affiliate of KredEx, AS KredEx Krediidikindlustus, was set up in 2009, work procedures changed in the finance department – a number of new duties were added and after that point, my work was solely in the field of accounting. The work became more interesting and full of variety and responsibility. There were new fields and it required study and learning on my part.

Now I am the accountant at AS SmartCap, a KredEx subsidiary. The new field varies from the everyday work I performed previously and is an exciting challenge for me.

The work is highly motivating for me, as the constant development of both KredEx and its subsidiaries poses new challenges to study and acquire new skills. A modern work environment, great cooperation between departments and great co-workers make everyday work pleasant.


Natalja Pauku karjäär

Natalja Pauku

Customer Account Manager

I came to KredEx in 2009. I had worked for a long time in various positions at Swedbank and I was looking for new challenges exactly as KredEx was looking for a customer account executive for its enterprise division due to an increase in work volumes. As I had already had some exposure to KredEx due to my previous duties, I decided to apply and I got the job.

My duties of employment were analysis and evaluation of guarantee and loan projects. Working as a customer account manager, I had an opportunity to keep abreast of Estonian enterprise and the economy as well as developments outside Estonia. My work to this point has been interesting and motivating, as it is diverse and not humdrum. The work also requires me to learn as I go, as our clients operate in many different sectors and include companies just starting out as well as big, successful businesses. The work allows me to keep up to date with changes in the entrepreneurial environment and do my part to help the Estonian economy grow.

As an employer, KredEx is very compassionate, fair and just, it gives me an opportunity to have a say on important matters pertaining to the work and it appreciates people who display intelligent initiative. For me, KredEx’s great and multifaceted team is important as well. It consists of specialists from many different areas. Our cooperation is professional and spending free time together is very pleasant.