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Head of Risk (Non-Retail)

Revolut - Barcelona, Spain - Hybrid

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Salary: PLN 33,000 - 38,900 / monthly

Revolut is seeking a Head of Risk to lead credit risk management for non-retail products across the organization. This is a director-level role responsible for building and scaling a risk management function from the ground up. Key responsibilities include: - Designing a globally scalable risk framework with governance structures and risk culture across the business - Collaborating with Data Science and Engineering teams to develop origination, monitoring, provisioning, and collections risk models - Building and leading a portfolio management team focused on continuous monitoring of receivables and payables finance - Shaping local credit policies and procedures to optimize portfolio returns - Providing thought leadership on risk appetite for mid-market, corporate, and enterprise features - Making key underwriting decisions for significant exposures - Representing the first-line risk team on relevant risk committees - Maintaining relationships with second and third lines of defense Required qualifications: - Expertise in managing credit risk for mid-market products - Proven ability to build and scale teams from scratch - Strong understanding of credit policy governance and experience with multi-line-of-defense risk frameworks - Experience in risk and fraud identification, monitoring, control implementation, and testing - Strategic planning and stakeholder management skills - Excellent communication and analytical abilities - Ability to balance thorough risk assessment with timely execution Nice-to-have: Trade finance product experience. Revolut is a fintech super app with 75+ million customers, offering spending, saving, investing, exchanging, and travel products. The company has 13,000+ employees globally and is certified as a Great Place to Work.

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