Senior Credit Manager (Policy)

About Revolut

Revolut exists to provide customers with more transparency, control, and flexibility over their finances. Since its inception in 2015, it has developed a comprehensive suite of financial services for over 80 million users worldwide, including spending, saving, investing, currency exchange, and travel benefits. The company boasts a fast growth trajectory with over 13,000 employees globally, featuring both in-office and remote work arrangements. It has been recognized as an excellent workplace for its employee experience.

Role Overview

The Credit team at Revolut is responsible for creating and scaling lending products that support global expansion. They oversee the entire product journey from backend infrastructure to user-facing functionalities, combining risk expertise, market insights, and technical accuracy to provide tailored credit solutions in different regions.

The Senior Credit Manager will focus on designing credit risk frameworks, policies, and strategies for retail lending. This position entails overseeing underwriting validation and leading initiatives to proactively and reactively adapt to market and product conditions.

Key Responsibilities

• Formulating account-level valuation and credit underwriting procedures leveraging NPV models to optimize economic returns at the portfolio scale.
• Driving data-supported decision-making, emphasizing marginal analysis in credit risk.
• Overseeing credit limits, risk-based pricing, retention approaches, and over-limit protocols.
• Modifying risk-return thresholds and adjusting portfolio performance in reaction to new data insights.
• Participating in the annual budgeting, forecasting, and planning cycles from inception to execution.
• Monitoring ongoing project outcomes, communicating insights, and managing credit KPIs through continuous, rigorous oversight.
• Spotting operational bottlenecks and implementing incremental improvements within the Credit department.
• Securing approval and favorable evaluations of the first-line credit risk functions from second line, third line, and regulatory authorities.

Candidate Requirements

• Proven experience managing retail credit risk lifecycles, particularly products such as credit cards and unsecured personal loans.
• A bachelor's degree from a leading university in a quantitative or analytical discipline like engineering, statistics, physics, mathematics, economics, or management.
• Comprehensive knowledge of credit policy governance and ability to engage effectively with second and third lines of defense.
• A demonstrated history of surpassing performance expectations.
• A forward-looking mindset to strategically plan for multiple objectives and proactively handle emerging challenges.
• Familiarity with credit and behavioural scoring models specific to retail credit products.
• Exceptional communication skills to simplify and clarify complex concepts.
• Ability to balance swift market delivery with thoughtful problem-solving to meet business needs.

Preferred Qualifications

• Master's degree is an advantage.
• Proficiency or strong working knowledge in SQL, R, Python, or similar analytical tools.
• A strong eagerness to adopt new technologies that support business scaling.

Diversity & Inclusion

Revolut is committed to fostering an inclusive workplace and values diverse backgrounds and perspectives. By promoting diversity and inclusion, the company aims to create exceptional and innovative financial products and services.

Important Candidate advisory

• Applicants should only use official Revolut recruitment channels for applications.
• Ensure all communications come from authentic @revolut.com email addresses.
• Revolut will never request payments or personal financial information during recruitment; candidates should report any such requests immediately.

Confirmation

Applicants affirm that all information provided is truthful and complete. Misrepresentation may lead to rejection or termination of employment. Personal data submitted will be handled according to Revolut's Candidate Privacy Notice.