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Revolut is seeking a Retail Credit Risk Manager to support its growing retail credit portfolio in Peru as part of the second line of defence. The role focuses on monitoring and managing credit risk exposure across retail products while ensuring compliance with local regulatory requirements from the Central Bank of Peru (BCRP) and the Superintendence of Banking (SBS).
Key responsibilities include:
- Overseeing retail credit risk exposure to maintain portfolio safety within defined parameters
- Providing independent second-line oversight and challenge over first-line credit activities
- Ensuring compliance with BCRP requirements for debtor classification, arrears treatment, and provisioning
- Managing risk appetite through calibration and continuous monitoring of credit limits
- Reviewing and challenging credit risk models with the Risk Modelling team for predictive accuracy
- Engaging with local regulators and internal committees on material credit exposures and regulatory reporting
- Quantifying risk exposures and assessing impacts of regulatory classifications and financial provisioning
- Governing emerging risks and conducting assessments for new retail product launches
- Maintaining policies and controls to standardize credit risk management across the local operation
- Protecting the company from excessive risk-taking to optimize long-term costs and maintain institutional reputation
About Revolut: A fintech powerhouse founded in 2015 with 75+ million customers and 13,000+ employees globally. Revolut offers spending, saving, investing, exchanging, and travel products, operating across multiple regions with a mission to give customers more visibility, control, and freedom with their money.
Requirements:
- 4+ years of retail credit risk experience (excluding wholesale/treasury)
- Knowledge of key retail credit products: unsecured personal loans, credit cards, BNPL
- Solid understanding of credit policy governance framework and three lines of defence
- Familiarity with retail credit risk regulations in Peru (BCRP, SBS)
- Expertise in retail credit risk modelling (PD/ECL)
- Ability to translate regulatory requirements into practical risk guidance and challenge first-line decisions
- Strong communication and stakeholder management skills
- Fluency in English
Nice to have:
- Degree or certification in risk management
- Experience implementing third-party/vendor and model risk programmes
- Familiarity with data or MI tools (SQL, BI tools) for analysis
- Experience supporting regulatory interactions, inspections, or audits related to credit risk
- Experience in business credit lending
