Credit Policy Lead, Retail Lending (Remote)

Revolut Ltd; South Africa; Hybrid; ZAR 1,000,000 - 1,800,000; Full time

Benefits offered by this job

Financial benefits

Work from home or office flexibility

Revolut Metal subscription

Team events year-round

Job summary

Revolut Ltd. is seeking a Credit Manager in South Africa to design credit risk policies, oversee underwriting strategy validation, and lead preventative/reactive actions in response to market changes.

You will manage risk, influence portfolio performance, and contribute to the regional product offering. Ideal candidates will have a proven track record in retail credit risk, a quantitative degree, and strong analytical and communication skills.

Qualifications

• A proven track record of managing the risk cycle for retail credit products (e.g., credit cards, unsecured personal 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.
• Deliver excellent results that exceed requirements.
• Be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues.
• Knowledge of credit and behavioural scoring models for retail credit products.
• Ability to explain complex concepts clearly and concisely.

Responsibilities

• 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 decisions
• 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 team
• Ensuring approval and good rating of first-line credit risk from second line, third line, and regulators

Skills

Data-driven decisions

Credit risk management

Retail credit knowledge

Portfolio optimisation

Strong communication

Education

Bachelor's degree in quantitative field

Tools

SQL

R

Python

Job description

Revolut Ltd. is seeking a Credit Manager in South Africa to design credit risk policies, oversee underwriting strategy validation, and lead preventative/reactive actions in response to market changes.

You will manage risk, influence portfolio performance, and contribute to the regional product offering. Ideal candidates will have a proven track record in retail credit risk, a quantitative degree, and strong analytical and communication skills.