About The Role
The Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward‑thinking solutions tailored to each region.
We're looking for a Credit Manager to design credit risk policies, procedures, and strategies for our retail lending features. You'll be managing validation of the underwriting strategy, as well as leading the charge for preventative and reactive actions to the market and product offering.
What You'll Be Doing
* Develop account‑level valuation and credit underwriting policies using NPV frameworks to improve portfolio‑level economic returns
* Make data‑driven decisions with a special focus on marginal decision‑making
* Manage credit limits, risk‑based pricing, retention strategies, over‑limit policies, etc.
* Adjust risk return requirements and manage/adjust portfolio returns as new data comes to light
* Support the annual budget, forecast, and planning processes, from concept to delivery
* Track, communicate, and draw insights from the performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
* Identify operational inefficiencies and manage the implementation of small‑scale change within the Credit department
* Ensure approval and good rating of first‑line credit risk function from second line, third line, and regulators
What You'll Need
* Experience managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.
* A bachelor's degree from a top university in a quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
* A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
* A track record of delivering excellent results that exceed requirements
* Forward‑thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
* Knowledge of credit and behavioural scoring models, especially for retail credit products
* The ability to explain complex concepts in a clear, simple manner
* Understanding the value of speed to market and balancing elegant problem‑solving with business needs
Nice to Have
* A master's degree
* Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
* A willingness to learn new technology to help the business scale
By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice.
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