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Data Scientist (Risk & Compliance) Salary in Estonia 2026: €49K Median & Range

+7.4% YoYMarket research summary
  • Risk analytics, fraud prevention and production ML support healthy demand in regulated sectors.
  • Based on levels.fyi Tallinn data scientist median (€79,635 total comp, skewed to scale-ups) discounted to base, and ERI SalaryExpert Tallinn data scientist averages (€44,342)
  • Tallinn day rates checked against Lemon.io Estonia and freelancermap Tallinn.
  • Parnu set lowest using the Statistics Estonia county wage gap (Pärnu €1,702 vs Tallinn €2,479 a month, Q2 2025), narrowed for remote-capable IT work.

What does a Data Scientist (Risk & Compliance) earn in Estonia?

The median Data Scientist (Risk & Compliance) salary in Estonia is €49K in 2026, with a typical range from €46K to €52K. Pay has moved +7.4% year-on-year. Tallinn currently leads city pay at €55K. This is base salary for permanent employees.

What does A Data Scientist (Risk & Compliance) do?

A Data Scientist (Risk & Compliance) is responsible for building statistical and machine-learning models for credit risk, fraud detection, and regulatory compliance monitoring within a bank or fintech.

Day-to-day responsibilities

  • Building and validating credit-risk or fraud-detection models
  • Running model performance monitoring
  • Documenting models for regulatory review
  • Working with compliance teams on model explainability requirements
Medium demand+18% Credit risk / fraud modelling+14% Model validation & explainability+11% Regulatory model documentation

Permanent Salary Benchmark for Data Scientist (Risk & Compliance)

Permanent salary benchmarks for Data Scientist (Risk & Compliance) in Estonia, from the low end to the top of the range, based on published market compensation data.

€49K

national median per year

+7.4% year on year

€49K
€39K€63K
Low
€39K
P25
€46K
Median
€49K
P75
€52K
High
€63K

High evidence · Estonia annual benchmark · 2026 data · How we check our numbers

Data Scientist (Risk & Compliance) Salary by Seniority Level

Seniority is the biggest single driver of Data Scientist (Risk & Compliance) pay in Estonia. Entry-level roles start at €33K, rising 158% to €85K at lead or principal level.

Junior

€33K

€33K-€33K middle band

Mid-level

€48K

€48K-€48K middle band

Senior

€66K

€66K-€66K middle band

Principal/Lead

€85K

€85K-€85K middle band

Skills That Command a Premium for Data Scientist (Risk & Compliance)s

Certain technical skills push Data Scientist (Risk & Compliance) salaries in Estonia significantly above the €49K median. These are the most impactful skills to develop or highlight when negotiating.

Credit risk / fraud modelling

+18%

salary premium vs median

Model validation & explainability

+14%

salary premium vs median

Regulatory model documentation

+11%

salary premium vs median

Data Scientist (Risk & Compliance) Salary in Tallinn, Parnu and Tartu

How much does a Data Scientist (Risk & Compliance) earn by city in Estonia?

Data Scientist (Risk & Compliance) salary varies meaningfully by location. Tallinn pays the most at €55K (12% above the national benchmark), while Parnu sits at €44K (10% below the national benchmark). Location is worth factoring into any offer negotiation.

Data Scientist (Risk & Compliance) Take-Home Pay in Estonia (2026)

After Income Tax & Unemployment Insurance · single, standard payroll deductions

Entry

Take-home/year

37 154 €

Effective rate

19.2%

Median

Take-home/year

39 456 €

Effective rate

19.5%

Senior

Take-home/year

41 759 €

Effective rate

19.7%

See the full band-by-band breakdown for Data Scientist (Risk & Compliance)

Adjust for your actual salary, see each flat Income Tax and unemployment insurance contributions band, and get monthly and weekly figures.

Contract day rates available for this role

Median €339/day, see full breakdown, city rates, and take-home calculator

View Data Scientist (Risk & Compliance) day rates →
  • Risk analytics, fraud prevention and production ML support healthy demand in regulated sectors.
  • Based on levels.fyi Tallinn data scientist median (€79,635 total comp, skewed to scale-ups) discounted to base, and ERI SalaryExpert Tallinn data scientist averages (€44,342)
  • Tallinn day rates checked against Lemon.io Estonia and freelancermap Tallinn.
  • Parnu set lowest using the Statistics Estonia county wage gap (Pärnu €1,702 vs Tallinn €2,479 a month, Q2 2025), narrowed for remote-capable IT work.

Contract break-even

What day rate beats a €49K Data Scientist (Risk & Compliance) salary after tax?

Break-even day rate

€291/day

to match €49K permanent net

Permanent net take-home

€39,456/yr

€49K gross, 2026 flat-tax rates

FIE sole proprietor, 220 days, self-paid 33% social tax. Net figures are estimates; use the calculators for exact results.

Market Demand & Outlook

Hiring demand, top locations, and career outlook for Data Scientist (Risk & Compliance)

High Confidence

Demand level

Medium

Based on hiring signals relative to similar roles in this market.

Top hiring locations

TallinnTartuParnu

Career outlook

Positive market outlook

Data Scientist (Risk & Compliance) compensation is trending upward, supported by a +7.4% salary movement signal.

Compare this role

Put the Data Scientist (Risk & Compliance) benchmark in context

Compare adjacent roles, employer estimates, published agency guides, and an offer against the market before you make a decision.

Why Data Scientist (Risk & Compliance) Salaries Are at This Level

Data Scientist (Risk & Compliance)s in Estonia earn a median salary of €49K in 2026, with a typical range from €46K at the 25th percentile to €52K at the 75th percentile. This benchmark reflects published market compensation data for annual pay across the Estonia market.

Tallinn currently leads city pay at €55K, which is 12% above the national benchmark. City coverage for this role includes Tallinn, Parnu, Tartu, helping you compare local pay differences without needing separate city-role pages.

At experience level, entry roles start around €33K, senior roles sit near €66K, and lead-level roles reach about €85K. Demand is currently moderate for this role based on recent coverage and salary momentum signals.

Frequently Asked Questions About Data Scientist (Risk & Compliance) Salary in Estonia

1

What is the median Data Scientist (Risk & Compliance) salary in Estonia?

The median Data Scientist (Risk & Compliance) salary in Estonia is €49K in 2026. The typical range runs from €46K at the 25th percentile to €52K at the 75th percentile, based on published market compensation data.

2

Is Data Scientist (Risk & Compliance) salary increasing in Estonia?

Data Scientist (Risk & Compliance) salaries have moved +7.4% year-on-year in Estonia.

3

How does Data Scientist (Risk & Compliance) salary vary by city in Estonia?

Data Scientist (Risk & Compliance) salaries vary across Estonia. Tallinn leads at €55K (+12% vs the national benchmark), while Parnu sits at €44K. Use the city breakdown above to compare all locations.

4

What does a Data Scientist (Risk & Compliance) take home after tax in Estonia?

A Data Scientist (Risk & Compliance) earning the median €49K gross in Estonia will take home a net amount after income tax and other deductions. Use the PayMetric Labs take-home calculator on this page for an exact breakdown by tax band.

5

What experience level earns the most as a Data Scientist (Risk & Compliance) in Estonia?

Principal/Lead-level Data Scientist (Risk & Compliance)s in Estonia earn the most, with a median of €85K, compared to €33K at entry level. Seniority is the strongest single driver of pay in this role.

6

Is a €49K Data Scientist (Risk & Compliance) hybrid role worth the commute in Estonia?

On a 3-day hybrid schedule with a typical Estonian commute (0 €/day travel, 60-minute round trip, daily meal premium, annual wardrobe costs), your true net income at €49K is approximately 33 689 € per year, compared to 38 692 € net without any commute. The commute costs 5003 € per year in direct expenses and lost time. A fully remote role paying 42 400 € would leave you equally well off.

7

What remote salary is equivalent to a €49K hybrid Data Scientist (Risk & Compliance) salary in Estonia?

Assuming a 3-day hybrid schedule with typical commute costs, you would need a remote salary of at least 42 400 € to match the true net value of a €49K hybrid Data Scientist (Risk & Compliance) role in Estonia. For a 5-day fully in-office role, the break-even remote salary rises to 38 400 €, as the higher office frequency increases travel, meal, and time costs significantly.

8

How many hours per year does a Data Scientist (Risk & Compliance) in Estonia spend commuting?

On a 3-day hybrid schedule with a 60-minute round trip, a Data Scientist (Risk & Compliance) in Estonia spends approximately 138 hours commuting per year, equivalent to 17 full working days. Valued at the implied hourly rate for a €49K salary (27 €/hr), that time is worth 3675 € annually.

9

How does the 2026 Return to Office trend affect Data Scientist (Risk & Compliance) compensation in Estonia?

As more employers in Estonia reintroduce hybrid or full in-office mandates in 2026, the true value of a Data Scientist (Risk & Compliance) salary depends increasingly on the number of required office days. At €49K, each additional day in the office costs roughly 1501 € per year in direct and time costs (moving from 3 to 5 days). Candidates evaluating offers should compare true net income rather than gross salary alone.

10

What day rate do you need to earn more than a Data Scientist (Risk & Compliance) permanent salary in Estonia?

A Data Scientist (Risk & Compliance) earning €49K permanently takes home approximately €39,456 per year after tax in Estonia. As a FIE sole proprietor contractor at 220 billable days, you need a day rate of at least €291/day to match that net income. Anything above that rate puts more money in your pocket compared to the permanent equivalent. Use the EE Take-Home Calculator at /ee/calculators/ee-take-home-calculator for a full breakdown.

11

Is contracting more profitable than a permanent Data Scientist (Risk & Compliance) role in Estonia?

Whether contracting beats permanent pay for a Data Scientist (Risk & Compliance) in Estonia depends entirely on the day rate you can command. The break-even rate is approximately €291/day (220 working days, FIE sole proprietor), which is the minimum required to match the €49K median permanent net take-home of €39,456 per year. Day rates above this produce a higher net income; rates below it mean the permanent role pays more after tax.

12

How reliable is this Data Scientist (Risk & Compliance) salary benchmark?

This benchmark is derived from verified market compensation data and is rated High Confidence. High Confidence means the benchmark is corroborated across independent sources and is citation-ready. Moderate Confidence is directional context while coverage is still building. Limited Market Data means early signals only.

13

Is Data Scientist (Risk & Compliance) pay increasing?

An indicative year-over-year signal of +7.4% is available from the latest market research for this role. This figure is directional market research rather than a matched prior-year observation in our own dataset.

14

What should employers and candidates take from this benchmark?

Candidates should compare offers against the €46K-€52K middle-market band, while employers should treat €49K as the current market midpoint for this role.

Compare Data Scientist (Risk & Compliance) pay in another market

The same role has published benchmarks in these markets. Open each local page for its salary range, tax context, and city detail.

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