Retail Credit Risk Manager

Revolut Ltd; France; Hybrid; EUR 90,000 - 130,000; Full time

Benefits offered by this job

Financial benefits that show we value

Flexibility to work from home, office,

Revolut Metal subscription perks

Exciting events year-round

Job summary

Revolut Ltd is seeking a Retail Credit Risk Manager to strengthen our consumer credit framework across Europe and beyond. You will lead risk assessments, monitor performance, and partner with product and risk modelling teams to optimise risk-adjusted returns.

With a quantitative background, you will shape credit policy, calibrate risk limits, and engage with stakeholders including regulators. This role offers remote work across multiple countries and a path to influence Revolut's retail

Qualifications

• Experience in consumer credit risk within financial services or banks.
• Knowledge of lending products (credit cards, personal loans, BNPL, mortgages).
• Quantitative background in STEM, statistics, economics, or related fields.
• Fluent in English (spoken and written).

Responsibilities

• Oversee exposure to retail credit risk and monitor portfolio performance.
• Collaborate with Risk Modelling to design and implement retail credit risk models.
• Calibrate limits and manage risk appetite across regions.
• Maintain policies, procedures and control framework for retail credit risk.
• Engage with first-line businesses to monitor emerging retail risk and product risk.
• Communicate risk exposures to stakeholders, committees, and regulators.
• Quantify risk, protect the company from excessive risk-taking, and optimize costs.
• Build trust with external stakeholders and ensure risks stay within appetite.
• Identify emerging risks requiring immediate attention or long-term viability concerns.

Skills

Experience in consumer credit risk

Lending products knowledge

Quantitative background in STEM/Stats

Fluency in English

Tools

Python

R

SQL

Job description

Retail Credit Risk Manager

Remote: France · Hungary · Lithuania · Netherlands · Portugal · Romania

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

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.

Up to shape what's next in finance? Let’s get in touch.

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 impactProtecting 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 financial institutions, banks, asset management, payment institutions, and/or related services
• 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

Compensation range

• 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