Retail Credit Risk Manager

Revolut; São Paulo; On-site; BRL 200,000 - 340,000; Full time

Job summary

Revolut is seeking a Risk Manager to support our growing retail credit portfolio and to make data-driven decisions on risk-adjusted return requirements. You will lead preventive and reactive actions that impact portfolio credit performance and profitability.

Based in São Paulo, you will engage with stakeholders, calibrate risk limits, and collaborate with regulators on material exposures while continuously refining policies and controls. Let’s connect to shape the future of fintech risk.

Qualifications

• 6+ years of experience in consumer credit risk within financial services.
• Knowledge of products like credit cards and unsecured personal loans.
• Quantitative background in STEM, statistics, economics, or related fields.
• Fluency in English.

Responsibilities

• Manage exposure to retail credit risk.
• Maintain risk appetite through limit calibration and monitoring.
• Engage with committees and regulators on risk exposures.
• Refine policies, procedures, and controls.
• Collaborate with first-line businesses to identify emerging risks.
• Quantify risk exposures considering stakeholders.
• Protect the company from excessive risk-taking and costs.
• Build trust with external stakeholders.
• Identify emerging risks requiring immediate attention.

Skills

Credit risk management

Quantitative analysis

Stakeholder communication

English language

Education

STEM degree in a quantitative field

Tools

Python

R

SQL

Job description

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 80+ 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 13,000+ 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

Risk at Revolut operates across all functions, products, and regions to monitor front-line performance and ensure the business operates safely. They’re among the first to be involved in new initiatives, from tech to customer support.

We’re looking for a Risk Manager to support our growing retail credit portfolio. You'll make data-driven decisions on risk-adjusted return requirements and lead preventive and reactive actions that impact portfolio credit performance and profitability.

Up to shape what's next in finance? Let’s get in touch.

What you'll be doing

• Managing exposure to retail credit risk
• Maintaining risk appetite through limit calibration and monitoring
• Engaging with key stakeholders, committees, and regional regulators on material retail credit risk exposures and limit governance
• Optimising key policies, procedures, and controls
• Engaging with first-line businesses to identify, monitor, and govern emerging retail credit risks, including new product risk assessments
• Quantifying risk exposures, considering stakeholder impact where possible
• Protecting the company from excessive risk-taking, saving on both short and long-term costs
• Building trust and reputation with our external stakeholders
• Identifying emerging risks that require immediate attention or that could threaten long-term viability

What you'll need

• 6+ years of experience in consumer credit risk within financial services, banks, payment institutions, and/or related services
• Knowledge of key products, like credit cards and unsecured personal loans
• A quantitative background in STEM (science, technology, engineering, and mathematics), statistics, economics, or related fields
• Fluency in English

Nice to have

• Experience within the second line of defence (risk)
• Impressive programming skills using Python, R, and/or SQL

Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.