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Revolut is a fintech company on a mission to give people more from their money through products spanning spending, saving, investing, exchanging, and travel. With 80+ million customers and 13,000+ employees globally, the company is experiencing rapid growth.
This role is part of Revolut's Risk function, which operates across all functions, products, and regions to monitor performance and ensure safe business operations. As a Retail Credit Risk Manager, you will support the growing retail credit portfolio within the second line of defence, making data-driven decisions on risk-adjusted returns and leading actions that impact portfolio credit performance and profitability in Peru.
Key responsibilities include:
- Overseeing retail credit risk exposure to ensure the portfolio remains within defined safety parameters
- Providing second-line oversight and challenge over first-line credit activities to maintain independent governance
- Ensuring compliance with BCRP (Central Bank of Peru) requirements regarding debtor classification, arrears treatment, and provisioning
- Managing risk appetite through calibration and continuous monitoring of credit limits
- Reviewing and challenging risk models in collaboration with the Risk Modelling team to ensure predictive accuracy
- Engaging with local regulators (BCRP, SBS) and internal committees on material credit exposures and regulatory reporting
- Quantifying risk exposures and assessing the impact of regulatory classifications and required financial provisioning
- Governing emerging risks and conducting risk assessments for new retail product launches
- Maintaining key 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
Requirements:
- 4+ years of retail credit risk experience (not including wholesale/treasury experience)
- Knowledge of key products such as unsecured personal loans, credit cards, and BNPL
- Solid understanding of credit policy governance framework and ability to work through the 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
- Great 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 (e.g., SQL or BI tools) for analysis and review
- Experience supporting regulatory interactions, inspections, or audits related to credit risk
- Experience in business credit lending
