Credit Manager (Policy)

Revolut; United States; À distance; USD 120 000 - 180 000; Plein temps

Résumé du poste

Revolut is seeking a Credit Manager to design credit risk policies and strategies for its retail lending features. You will validate underwriting approaches and lead actions in response to market data and product plans.

The role focuses on creating robust risk frameworks, optimizing portfolio returns, and ensuring compliance across lines of defence. Strong quantitative background and communication skills are essential.

Qualifications

• Experience managing the risk cycle for retail credit products such as credit cards and unsecured loans.
• A bachelor’s degree from a top university in a quantitative/analytical field (engineering, statistics, physics, maths, economics, or management).
• A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence.
• A track record of delivering excellent results that exceed requirements.
• Forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues.
• Knowledge of credit and behavioural scoring models for retail products.
• The ability to explain complex concepts in a clear, simple manner.
• Appreciation for speed to market while balancing business needs.

Responsabilités

• Develop account-level valuation and underwriting policies using NPV frameworks.
• Make data-driven decisions with a focus on marginal outcomes.
• Manage credit limits, risk-based pricing, and retention/over-limit policies.
• Adjust risk-return requirements as new data becomes available.
• Support annual budget, forecast, and planning processes from concept to delivery.
• Track performance and communicate insights from ongoing initiatives and credit KPIs.
• Identify operational inefficiencies and implement changes within Credit.
• Ensure approvals and ratings meet 2nd/3rd line and regulatory expectations.

Connaissances

Retail credit risk

Underwriting policy design

Data-driven decisions

Credit policy governance

Financial risk modeling

SQL

R

Python

Formation

Bachelor's degree in quantitative field

Outils

SQL

R

Python

Description du poste

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 design credit risk policies, procedures, and strategies for our retail lending 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

• Developing account-level valuation and credit underwriting policies using NPV frameworks to improve portfolio-level economic returns
• Making data-driven decisions with a special focus on marginal decision-making
• Managing credit limits, risk-based pricing, retention strategies, over-limit policies, etc.
• Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
• Supporting the annual budget, forecast, and planning processes, from concept to delivery
• Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
• Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit department
• Ensuring approval and good rating of first-line credit risk function from second line, third line, and regulators

What you’ll need

• Experience managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.
• A bachelor’s degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
• A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
• A track record of delivering excellent results that exceed requirements
• To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
• Knowledge of credit and behavioural scoring models, especially for retail credit products
• The ability to explain complex concepts in a clear, simple manner
• To understand the value of speed to market and balance between elegant problem-solving and business needs

Nice to have

• A master’s degree
• Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
• A willingness to learn new technology to help the business scale