Retail Credit Risk Lead — Data-Driven Global Impact

Revolut Ltd; Colombia; Remote; COP 379,687,000 - 537,890,000; Full time

Benefits offered by this job

Flexible work options

Metal subscription perks

Team events

Global exposure

Job summary

Revolut Ltd is seeking a Retail Credit Risk Manager to safeguard and grow the retail credit portfolio. You will shape risk-adjusted return requirements and lead actions that improve credit performance across acquisition to collections.

The role requires deep experience in credit risk governance, strong analytical skills, and fluency in English and Spanish. You'll collaborate with Finance, Operations, IT, and Data Science to deliver resilient risk controls.

Qualifications

• 7+ years of experience managing retail credit risk across products such as credit cards and unsecured personal loans.
• Solid understanding of credit risk governance and the 3 lines of defence model in financial institutions.
• Expertise in Colombian and European credit risk regulations, methodologies, and frameworks.
• Knowledge of behavioural scoring models and their application to retail credit portfolios.
• Great analytical skills and a data-driven approach to risk assessment and decision-making.
• Proficiency in SQL and Python for analysing portfolio and risk data.
• Excellent communication and storytelling skills, with the ability to explain complex concepts simply.

Responsibilities

• Overseeing retail credit risk exposure across the full credit lifecycle, from acquisition through portfolio management and collections.
• Monitoring portfolio performance using key KPIs and BCIs, identifying trends and emerging risks.
• Partnering with the Risk Modelling team to develop, implement, and monitor retail credit risk models.
• Managing risk appetite through limit calibration, monitoring, and escalation of material exposures.
• Reviewing and challenging first-line policies, procedures, and controls to ensure they align with the risk framework.
• Assessing credit risk for new products and initiatives, identifying potential risks before launch.
• Monitoring expected credit losses and assessing their impact on portfolio performance and profitability.
• Overseeing collections performance and ensuring processes remain effective and within the defined risk framework.
• Engaging with senior stakeholders, risk committees, and regional regulators on material credit risks and limit governance.
• Identifying emerging risks requiring immediate action and driving appropriate risk mitigation.

Skills

Credit risk governance

Regulatory knowledge

Analytical thinking

Communication

Bilingual English/Spanish

Tools

SQL

Python

Job description

Revolut Ltd is seeking a Retail Credit Risk Manager to safeguard and grow the retail credit portfolio. You will shape risk-adjusted return requirements and lead actions that improve credit performance across acquisition to collections.

The role requires deep experience in credit risk governance, strong analytical skills, and fluency in English and Spanish. You'll collaborate with Finance, Operations, IT, and Data Science to deliver resilient risk controls.