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Revolut is seeking a Retail Credit Risk Manager to oversee and manage the company's growing retail credit portfolio. This role sits within Revolut's Risk function, which operates across all products, regions, and functions to ensure safe business operations.
You will be responsible for making data-driven decisions on risk-adjusted return requirements and leading both preventive and reactive actions that directly impact portfolio credit performance and profitability. Key responsibilities include:
• Overseeing exposure to retail credit risk across the organization
• Collaborating with the Risk Modelling team to design, develop, and implement retail credit risk models
• Managing risk appetite through limit calibration and continuous monitoring
• Maintaining key policies, procedures, and controls to ensure compliance
• Engaging first-line business teams to identify, monitor, and govern emerging retail credit risks, including conducting new product risk assessments
• Partnering with key stakeholders, risk committees, and regional regulators on material retail credit risk exposures and limit governance
• Quantifying risk exposures across the organization while considering stakeholder impact
• Protecting the company from excessive risk-taking to reduce both short and long-term costs
• Building trust and reputation with external stakeholders and ensuring risks remain within defined risk appetite
• Identifying emerging risks that require immediate attention or could threaten long-term viability
Required qualifications include 4+ years of retail credit risk experience, knowledge of key products such as unsecured personal loans, credit cards, and overdrafts, solid understanding of retail credit risk modelling (PD/EL), and strong analytical skills with familiarity of local data sources.
Nice-to-have qualifications include a degree in finance, accounting, economics, statistics, or exact sciences, and prior experience in banking within a second line of defence (risk) function.
Revolut is a fintech powerhouse with 75+ million customers and 13,000+ employees globally. The company offers a comprehensive suite of financial products including spending, saving, investing, exchanging, and travel services.
