Credit Manager (Fraud)

Revolut Ltd; Barcelona, Madrid; Hybrid; EUR 44,000 - 65,000; Full time

Benefits offered by this job

Financial benefits

WFH / Hybrid options

Revolut Metal subscription perks

Exciting events year-round

Job summary

Revolut Ltd in Barcelona, Spain, is seeking an experienced Credit Manager to oversee credit fraud within our global finance operations. You will develop strategic initiatives to optimise fraud detection and mitigation, grounded in data-driven analysis and solid regulatory risk awareness, contributing to safer, scalable growth.

The role involves leading cross‑functional reviews of supply chain and trade finance products, ensuring compliance with group fraud policies, refining controls and

Qualifications

• 5+ years of experience managing financial crime or credit fraud.
• Experience launching and reviewing trade finance products in a commercial bank.
• Strong analytical skills and ability to automate processes.

Responsibilities

• Contribute to product and risk reviews of supply chain/trade finance products.
• Ensure product-level compliance with group fraud and financial crime policies.
• Improve financial crime policies, procedures, and the playbook.
• Scope controls and monitor fraud risk models and propose tool enhancements.
• Investigate risk incidents and ensure remediation of breaches.
• Collaborate cross-functionally to prioritise financial crime issues.
• Engage with regulators and internal teams on global compliance.
• Establish metrics and dashboards for early warning indicators.

Skills

Financial crime

Credit fraud management

Data analysis

Regulatory risk

AML/KYC basics

Problem solving

Automation mindset

Tools

SQL

Job description

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 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 oversee credit fraud within our global finance operations. Using your knowledge of regulatory risk and compliance standards, you'll come up with strategic initiatives to optimise fraud detection and mitigation that's powered by data-driven analysis, while keeping up with emerging fraud trends.

What you'll be doing

• Contributing to product and risk reviews of supply chain/trade finance products, including payables (SCF, trade loan, dynamic discounting) and receivables (RF, invoice discounting, etc.)
• Ensuring product-level compliance with group fraud and financial crime policies
• Continuously improving financial crime policies, procedures, and the structured trade finance playbook
• Scoping necessary controls and monitoring (updating/fine-tuning) fraud risk models, proposing improvements to existing tools
• Strategically investigating and ensuring remediation of risk incidents, issues, and control breaches
• Engaging cross-functionally to drive the prioritisation of financial crime-related issues
• Engaging with regulatory bodies and internal teams to ensure compliance with financial crime requirements at a global scale
• Establishing key metrics and dashboards for proactive monitoring of early warning indicators, differentiating between various forms of receivable financing fraud
• Owning and delivering required updates on credit fraud at various forums and committees

What you'll need

• 5+ years of experience managing financial crime or credit fraud
• Hands-on involvement intrade finance product launches and reviews within a commercial bank
• A good understanding of payables finance (SCF, trade loan, dynamic discounting) and receivables finance (RF, invoice discounting, factoring, PO finance)
• Proven success implementing fraud controls and metrics for complex business lending scenarios
• Familiarity with financial crime-related investigative processes
• Experience implementing fraud controls and metrics
• A highly analytical mindset with excellent problem-solving skills
• Curiosity and a drive to identify and implement improvements to automate wherever possible
• Familiarity with AML/KYC control environments and key concepts, such as customer due diligence, screening, ID&V, risk scoring, and periodic reviews

Nice to have

• Broad market and product experience across various trade finance jurisdictions
• A solid understanding of credit policy governance frameworks, and the ability to work through the 2nd/3rd line of defence in a competent manner
• Excellent knowledge of SQL and other data analysis tools
• A clear and structured communication style, with the ability to explain complex trade concepts simply

Compensation range

• Italy: €44,000 - €65,000 gross annually*
• Other locations: Compensation will be discussed during the interview process

*Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

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.

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