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Ingrid Ajangu

Ingrid Ajangu

Legal Counsel

I have worked as a lawyer at KredEx since the beginning of 2014. Looking back on those years today, I can say with certainty that working at KredEx provides a rare opportunity for development, while putting oneself to the test professionally and achieving results that actually help to improve life in Estonia. While working at KredEx for all of those years, I have been secure in the knowledge that our activity is helping both the people and companies of Estonia, while also helping guide them towards their goals during more difficult times and thereby find solutions.

In addition to the above, I also value the united and supportive team at KredEx. Our institution and its affiliates and subsidiaries are engaged in many areas of activity, and inevitably some areas are less related to each other than others; however, since being a lawyer at KredEx means I am essentially related to all of them, I clearly feel that when it comes to its members, the team at KredEx is supportive and focused on achieving common goals. I believe that this will help us to achieve even better results in the future and be of great help in promoting life in Estonia.


Maret Truija

Maret Truija

Client Manager

I began working at KredEx in November 2019, as a grant manager for the Housing and Energy Efficiency Department. My job is to process applications for reconstruction support for apartment buildings and small houses in various stages, as well as to advise applicants via e-mail and telephone, or in the office.

The work is motivating, varied and diverse, offering opportunities for learning and new knowledge on a daily basis, with there being no need to fear the routine. It is also good to know and feel that I am able to make a small contribution with my work to improving the living conditions of the Estonian population.

A modern working environment, supportive colleagues and a friendly atmosphere provide satisfaction and added value to my work. It is great to be a part of the KredEx team.


Karit Freienthal

Karit Freienthal

Head of Contract Administration

I joined the KredEx team in 2011, when a loan administrator was being sought for the Enterprise Department to manage business contracts of suretyship and loan agreements and to assist client managers in day-to-day matters. It was a new position, one in which I could immediately put what I had learnt at university to use. KredEx is an understanding employer that also supports the education of its employees, and so it was that I successfully completed my thesis and graduated from university while also working. 

After a couple of years of parental leave, it was nice to return to work. The past few years have been innovative in nature for KredEx, with several work processes having been reviewed. With the creation of the Department of Financial and Contract Administration, I was offered the opportunity to assume the position of Head of the Administration. I am now responsible for managing the contracts of the Enterprise Department, the Housing and Energy Efficiency Department, and the Startup Estonia programme. The new position offers me many new challenges, requires self-improvement, and puts me to the test. Work became much more interesting and entailed greater responsibility.      

As an employer, KredEx is very supportive and caring, and the KredEx team is just as great, with whom it is very pleasant to work together and sometimes also spend time outside of the work environment. The continuous development of KredEx has served as a source of motivation, and it is a great pleasure to be a part of the team and contribute to the success of KredEx.  


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

Contract Manager

I first joined the KredEx team in February 2017. I had just returned from a long trip and was once again in the process of searching for a job. I was actively following job advertisements and comparing their requirements with my skills and characteristics. KredEx was looking for a substitute secretary, but my previous work experience was in the area of logistics, instead. Since I had heard that KredEx was a good employer, I decided to apply. 

When I got the job, I had to take into account that this was a fixed-term employment contract, i.e. I was the substitute for an employee who had gone on maternity leave. I acknowledged to myself that my employment relationship might be brief, but I was sure that I still wanted to gain experience by working for a reputable organisation. 

I am grateful that an excellent onboarding programme was organised for me, and that I always received help in learning my tasks. Even though I was working under a fixed-term contract, I never felt that way because people took me into consideration and invested in me the same way they did with other members of the team. 

After a short period of being away, I was able to return to KredEx. The newly established contract management team required a person who could quickly learn their duties and start working independently. I once again got an opportunity to put myself to the test and learn a new segment of work. I am helped by great companions and previous knowledge of the KredEx work processes.

As an employer, KredEx really cares about its employees, giving us the opportunity to improve ourselves so that we can be the best at our job. I am more than satisfied by the opportunity to be a part of the great team at KredEx, and being able to contribute to the achievement of 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.


Sander Sillavee karjäär

Сандер Силлавеэ

Social media specialist

I joined Startup Estonia and KredEx in August 2017, starting as a marketing and communications assistant. I really appreciated KredEx's flexibility in being able to link this job to obtaining a Master's level degree in Communication Management from the University of Tartu. I immediately felt at home in the team, and my contribution was taken into account. I was included in many projects over a short period of time, and what was initially a part-time job has since developed into a fruitful working relationship. 

I really appreciate the fact that the activities of Startup Estonia are helping to support the co-creation of success stories by Estonian start-ups and the development of the community.