Credit Manager (Policy)

Revolut Ltd; Berlin; Hybrid; EUR 100.000 - 140.000; Vollzeit

Benefits dieser Stelle

Financial benefits

Flexible work from home/office/abroad

Revolut Metal subscription perks

Year-round team events

Zusammenfassung

Revolut Ltd is seeking a Credit Manager to design credit risk policies and strategies for its retail lending features. You will validate underwriting approaches and lead proactive risk actions across the market and product offering.

You will work on developing account-level valuation, data-driven decision processes, and monitoring credit KPIs, shaping lending standards for growth in a fast-moving, global fintech environment.

Qualifikationen

• Experience managing the risk cycle for retail credit products (e.g., cards, personal loans).
• Bachelor's degree in a quantitative/analytical field from a top university.
• Knowledge of credit policy governance and risk-defense frameworks.
• Proven track record delivering results and meeting objectives.
• Strong ability to explain complex concepts clearly and plan to market needs.
• Knowledge of German housing and mortgage market.

Aufgaben

• Develop and validate credit risk policies for retail lending features.
• Lead underwriting and risk actions across market and product.
• Shape portfolio returns with data-driven decisions and KPI monitoring.
• Support budgeting, forecasting, and planning processes from concept to delivery.
• Track performance of initiatives and maintain credit KPI visibility.
• Identify operational inefficiencies and drive small-scale changes in Credit.
• Ensure approval and rating consistency across risk lines and regulators.

Kenntnisse

Retail credit risk management

Data-driven decision making

Policy governance frameworks

Communication of complex concepts

Strategic planning

Credit scoring knowledge

Market speed to market

German housing mortgage market

Ausbildung

Bachelor's degree in quantitative field

Tools

SQL

Python

R

Jobbeschreibung

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

The Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward-thinking solutions tailored to each region.

We're looking for a Credit Manager to design credit risk policies, procedures, and strategies for our retail lending features. 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 to shape what's next in finance?

What you'll be doing

• Developing account-level valuation and credit underwriting policies using NPV frameworks to improve portfolio-level economic returns
• Making data-driven decisions with a special focus on marginal decision-making
• Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
• Supporting the annual budget, forecast, and planning processes, from concept to delivery
• Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
• Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit department
• Ensuring approval and good rating of first-line credit risk function from second line, third line, and regulators

What you'll need

• Experience managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.
• A bachelor's degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
• A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
• A track record of delivering excellent results that exceed requirements
• To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
• Knowledge of credit and behavioural scoring models, especially for retail credit products
• The ability to explain complex concepts in a clear, simple manner
• To understand the value of speed to market and balance between elegant problem-solving and business needs
• Knowledge of the German housing and mortgage market

Nice to have

• Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
• A willingness to learn new technology to help the business scale

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.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice

Get what you need to succeed

• Financial benefits that show we value your work
• Flexibility to work from home, the office, or abroad
• A Revolut Metal subscription loaded with perks
• Exciting events year-round so you can get to know your team