Credit Policy Manager - Retail Lending

Revolut; United States; Remote; USD 120,000 - 180,000; Full time

Job summary

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.

Responsibilities

• 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.

Skills

Retail credit risk

Underwriting policy design

Data-driven decisions

Credit policy governance

Financial risk modeling

SQL

R

Python

Education

Bachelor's degree in quantitative field

Tools

SQL

R

Python

Job description

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.