Credit Manager

**About Revolut**

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 55+ million customers get more from their money every day.

As we continue our lightning-fast growth,‌ 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

**About the role**

The credit department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe. The team manages our products from day one to the end — developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions.

As a Credit Manager, you'll be responsible for designing credit risk policies, procedures, and strategies for Revolut’s retail lending products. 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.

Up to shape the future of finance? Let's get in touch.

**What you’ll be doing**
- Developing account-level valuation frameworks for underwriting credit policies, using NPV framework to optimise portfolio-level economic returns
- Making data-driven decisions with a special focus on marginal decision-making
- Managing credit limits, risk-based pricing, retention strategies, over-limit policies, etc.
- Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
- Supporting the annual budget forecast, from assessment through analysis and delivery
- Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
- Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit department
- Ensuring approval and good rating of first-line credit risk function from 2nd/3rd line and regulators

**What you'll need**
- A proven track record of managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.
- A bachelor's degree from a top university in an 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
- To deliver excellent results that exceed requirements
- To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
- A solid understanding of credit and behavioural scoring models, especially for retail credit products
- The ability to explain complex concepts in a clear, simple manner
- To understand the value of speed to market and balance between elegant problem-solving and business needs of the hour

**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 business scale

**_ We won't ask for payment or personal financial information during the hiring process._**_ If anyone does ask you for this, it’s a scam. Report it immediately._