.About RevolutPeople 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 50+ 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 roleThe credit department at Revolut is anything but ordinary.
They design, develop, and launch credit features 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.
It's a big job, but our people are a credit to us all.
As a Credit Manager, you'll be responsible for designing credit risk policies, procedures, and strategies for Revolut's business (SME) lending products.
This is a brand new feature in our portfolio.
As that book grows, 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 for the challenge?
Let's get in touch.What you'll be doingDetermining the credit strategy for SME lending products in EUDeveloping account-level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returnsOptimising credit strategies (new originations, existing customer management, arrears management) to maximise portfolio risk-adjusted returnsImproving credit decisioning capabilities, balancing them with a manual approachDesigning, deploying, and analysing champion-challenger tests across the credit lifecycleManaging credit limits, risk-based pricing, retention strategies, and over-limit policiesSupporting the annual budget, forecast, and planning processes, from assessing data to preparing a strategic planTracking, communicating, and drawing insights from performance of ongoing initiatives, staying on top of credit KPIs through intensive monitoringEnsuring approval and good rating of first line credit risk function from second line, third line, and regulatorsSelecting and onboarding new data suppliersWhat you'll needA proven track record of managing the risk cycle for SME credit products, like unsecured business loans, credit lines, etc