Wanted: Retail Credit Risk Manager

Revolut; Chapecó; Presencial; BRL 180 000 - 320 000; Tempo integral

Resumo da oferta

Revolut is seeking a Risk Manager to support growth in its retail credit portfolio. You will make data-driven decisions on risk-adjusted return requirements and lead actions impacting portfolio credit performance and profitability.

You will oversee exposure to retail credit risk, work with the Risk Modelling team to design and implement models, and manage risk limits to align with business strategy, while engaging with regulators and stakeholders globally.

Qualificações

• Experience in consumer credit risk within financial services.
• Knowledge of lending products such as credit cards, personal loans, BNPL, mortgages.
• Quantitative background in STEM, economics, statistics, or related fields.
• Fluency in English.

Responsabilidades

• Overseeing exposure to retail credit risk.
• Collaborating with Risk Modelling to design, develop, and implement retail credit risk models.
• Managing risk appetite through limit calibration and monitoring.
• Maintaining policies, procedures, and controls.
• Engaging with first-line businesses to identify and govern emerging risks, including new product risk assessments.
• Engaging with stakeholders, committees, and regulators on material exposures and limit governance.
• Quantifying risk exposures considering stakeholder impact.
• Protecting the company from excessive risk-taking and cost impacts.
• Building trust with external stakeholders and ensuring risks are managed within appetite.
• Identifying emerging risks requiring immediate attention or threatening long-term viability.

Conhecimentos

Credit risk

Lending products

STEM background

English fluency

Formação académica

STEM degree or related field

Ferramentas

Python

R

SQL

Descrição da oferta de emprego

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 75+ 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 who'll support growing our 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.

What you'll be doing

• Overseeing exposure to retail credit risk
• Working with the Risk Modelling team to design, develop, and implement retail credit risk models
• Managing risk appetite through limit calibration and monitoring
• Maintaining key policies, procedures, and controls
• Engaging with first-line businesses to identify, monitor, and govern emerging retail credit risks, including new product risk assessments
• Engaging with key stakeholders, committees, and regional regulators on material retail credit risk exposures and limit governance
• Quantifying risk exposures within the organisation, taking into consideration stakeholder impact
• Protecting the company from excessive risk-taking, saving on both short and long-term costs
• Building trust and reputation with our external stakeholders and ensuring risks are managed within the risk appetite
• Identifying emerging risks that require immediate attention or could threaten long-term viability

What you'll need

• Experience in consumer credit risk within a financial institution, bank, asset management, payment institution, and/or related services firm
• Knowledge of key lending products, like credit cards, personal loans, buy now-pay later, and/or mortgages
• A quantitative background in STEM (science, technology, engineering, and mathematics), statistics, economics, or related fields
• Fluency in English

Nice to have

• Experience in 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.