Head of Risk (Non-Retail)

Revolut; Porto; Presencial; EUR 120 000 - 180 000; Tempo integral

Resumo da oferta

Revolut is seeking a Head of Risk to oversee first-line, non-retail risk across functions and regions. You will design a globally scalable risk framework, build and lead a team to shape credit risk policy, and set thresholds for a range of features to protect portfolio value.

You will collaborate with Data Science and Engineering, lead underwriting decisions for significant exposures, and work with the second line of defence to maintain robust risk governance while enabling fast, compliant

Qualificações

• Expertise in managing credit risk for mid-market products.
• Ability to build and scale a team from scratch, identifying key business needs and support needs for future growth.
• Solid understanding of credit policy governance and experience working with 2LoD and 3LoD.
• Experience in risk and fraud identification, monitoring, control implementation, and testing.

Responsabilidades

• Designing a globally scalable risk framework, establishing governance structures, and strengthening risk culture and awareness across the business
• Collaborating with Data Science and Engineering teams on origination, monitoring, provisioning, and collections risk models to optimise portfolio returns
• Building and leading a portfolio management team, initially focusing on continuous monitoring processes for receivables and payables finance
• Shaping local in-country credit policies and procedures to maximise portfolio-level economic returns
• Providing thought leadership on defining and evolving the risk appetite for mid-market, corporate, and enterprise features
• Making key underwriting decisions for significant exposures and representing the first-line team on risk committees
• Maintaining a solid working relationship with the second line of defence
• Supporting department objectives and planning processes

Conhecimentos

Credit risk management

Team leadership

Policy governance

2LoD collaboration

Risk modeling

Strategic planning

Communication

Descrição da oferta de emprego

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 75+ million customers get more from their money every day. As we continue our lightning‑fast growth, two 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™. With over 13,000 people working around the world, from our offices and remotely, we are building a culture that values diversity and inclusion, and we are looking for brilliant people who love building great products and redefining success.

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 Head of Risk to cover first‑line, non‑retail risks. You will implement cross‑functional elements into our risk management framework, build a team to design and oversee credit risk, and define thresholds for a variety of features.

What You’ll Be Doing

• Designing a globally scalable risk framework, establishing governance structures, and strengthening risk culture and awareness across the business
• Collaborating with Data Science and Engineering teams on the creation of origination, monitoring, provisioning, and collections risk models to optimise portfolio returns
• Building and leading a portfolio management team, initially focusing on continuous monitoring processes for receivables and payables finance
• Shaping local in‑country credit policies and procedures to maximise portfolio‑level economic returns
• Providing thought leadership on defining and evolving the risk appetite for mid‑market, corporate, and enterprise features
• Making key underwriting decisions for significant exposures and representing the first‑line team on relevant risk committees
• Maintaining a solid working relationship with the second line of defence
• Supporting department objectives and planning processes

What You’ll Need

• Expertise in managing credit risk for mid‑market products
• The ability to build and scale a team from scratch, identifying key business needs and support needs for future growth
• A solid understanding of credit policy governance and experience working effectively with 2LoD and 3LoD
• Experience in risk and fraud identification, monitoring, control implementation, and testing
• The ability to plan strategically, manage interdependencies, and deliver exceptional results that exceed requirements
• Excellent communication skills with a clear, concise, and structured approach to explaining complex concepts
• Impressive analytical and problem‑solving skills with the ability to process complex information for optimal decision‑making
• Experience balancing thorough risk assessment with the need for timely execution and business impact

Nice to Have

• Experience with trade finance products

Inclusion & Diversity

In 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow every day. We encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard‑working team.