Head of Lending (Mortgages)

Revolut Ltd; Paris; Hybrid; EUR 180,000 - 240,000; Full time

Benefits offered by this job

D&I Framework

Financial benefits

Work from home flexibility

Revolut Metal subscription

Team events

Job summary

Revolut Ltd is seeking a Head of Lending to design mortgage credit policies, risk controls, and underwriting strategy. You will lead a local team and partner with regulators to ensure compliant lending across markets.

This role combines strategic risk management with hands-on governance, shaping mortgage offerings while ensuring scalable, robust credit decisioning and governance. Flexible work options are available.

Qualifications

• 7+ years of experience in bank executive roles.
• Expertise in mortgage lending and risk management.
• Proven ability to build and lead teams and engage with regulators.

Responsibilities

• Define and implement a mortgage lending strategy and policy.
• Oversee underwriting, portfolio management, and collections activities.
• Manage regulatory relationships and compliance programs.
• Lead a local team and build scalable risk models and decisioning.
• Collaborate with stakeholders to align product and risk strategy.

Skills

Mortgage lending

Credit risk

Regulatory engagement

Risk models

Credit decisioning

Team leadership

Analytical thinking

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

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 Head of Lending to design credit risk policies, procedures, and strategies for mortgage 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.

What you’ll be doing

• Building and leading a local team to define and implement a mortgage lending strategy
• Overseeing branch activities and overall risk of the local loan portfolio
• Managing regulatory relationships
• Establishing and executing underwriting, portfolio management, and collections policies and activities
• Interacting with regulators and local authorities

What you'll need

• 7+ years of experience as a bank executive
• Expertise in mortgage lending
• An entrepreneurial drive and personal resilience
• Extensive experience building risk models, managing credit decisioning, and overseeing regulatory engagement
• An understanding of credit portfolio performance
• The ability to recruit and lead a team
• The ability to think and reason logically

Nice to have

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