Underwriter (FX)

Revolut Ltd; Polska; On-site; PLN 180,000 - 300,000; Full time

Job summary

Revolut Ltd in Poland is seeking an experienced Underwriter to assess SME financing applications for FX products and trading facilities. You will underwrite autonomously, improve auto-decisioning tools, and monitor an active lending book to grow a profitable business credit portfolio.

Join a global team and help shape risk policies, KRIs, and decisioning standards while delivering a positive experience for business customers. This role offers a hybrid work model and strong growth opportunities.

Qualifications

• Bachelor's degree in engineering, statistics, maths, economics or management from a top university.
• Experience in credit policy governance and second/third line risk controls.
• Familiarity with fraud risk management in business credit underwriting.

Responsibilities

• Underwrite SME financing applications for FX products and trading facilities.
• Rationalise risk/reward balance for each application.
• Decision FX limits or present to credit committee for review.
• Improve risk underwriting policies for FX exposures.
• Ensure KPIs on underwriting and monitor limit utilisation.
• Identify inefficiencies and drive improvements in onboarding and margining.

Skills

Credit risk

FX risk

Data analysis

Fraud controls

SQL

Python

Education

Bachelor's degree in quantitative field

Master's degree

Tools

SQL

R

Python

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.

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.

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 an Underwriter who can autonomously underwrite SME financing applications for FX products and trading facilities, improve an auto-decisioning tool, and monitor an active lending book of business.

You'll play a key role in growing a predictable and profitable business credit portfolio, while working across teams to enhance and expand the features we offer.

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

What You’ll Be Doing

• Underwriting SME financing applications for FX products and trading facilities through the analysis of accounts, open banking transactions, business models, and other databases
• Rationalising the risk/reward balance for each application
• Decisioning FX trading limits and facilities based on signing authority, or presenting deals to the credit committee for review and approval
• Improving risk underwriting policies for FX exposures, and contributing to key risk indicators (KRIs) for business credit applications and counterparty exposure monitoring
• Ensuring KPIs on credit underwriting are met, including individual service level agreements, approval rates, and decline rates, as well as limit utilisation metrics
• Identifying operational inefficiencies and managing the implementation of big and small-scale changes within the department across onboarding, limit management, and margining processes
• Optimising risk mitigation while reducing client friction, ensuring a positive experience for business customers
• Ensuring continuous monitoring and validation of credit decision outcomes and FX exposure outcomes, including mark-to-market movements and MIS availability
• Leading the initiative for preventive and reactive actions towards any micro and macro factors impacting portfolio credit performance and profitability
• Ensuring approval and good rating of first-line credit risk function for FX risk activities from second line, third line, and regulators

What You’ll Need

• Expertise in credit risk analysis for FX or treasury products
• A bachelor's degree from a top university in an quantitative field, such as engineering, statistics, physics, maths, economics, or management
• A solid understanding of credit policy governance frameworks, and the ability to work through the 2nd/3rd line of defence in a competent manner
• Familiarity with fraud risk management controls and how these apply to business credit underwriting decisions, FX onboarding, and trading limit approvals
• Experience improving or launching new credit products, FX risk features, or trading products
• A track record of delivering exceptional results that exceed requirements
• Experience documenting each application's merits and associated exposure risks in a clear and concise manner
• A deep-thinking mindset capable of processing a lot of information to make the best decisions

Nice to have

• Knowledge of SQL, R, Python, and/or other data analysis tools
• An interest in learning new technology to help the business scale
• A master's degree

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.