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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.
As a Retail Credit Risk Manager, you will oversee retail credit risk exposure across the full credit lifecycle—from customer acquisition through portfolio management and collections. You'll be responsible for monitoring portfolio performance using key performance indicators and business cycle indicators, identifying trends and emerging risks that could impact profitability.
Your key responsibilities include:
- Overseeing retail credit risk exposure across acquisition, portfolio management, and collections
- Monitoring portfolio performance and identifying emerging trends and risks
- Partnering with the Risk Modelling team to develop, implement, and monitor retail credit risk models
- Managing risk appetite through limit calibration, monitoring, and escalation of material exposures
- Reviewing and challenging first-line policies, procedures, and controls to ensure alignment with the risk framework
- Assessing credit risk for new products and initiatives before launch
- Monitoring expected credit losses and their impact on portfolio performance
- Overseeing collections performance and process effectiveness
- Engaging with senior stakeholders, risk committees, and regional regulators on material credit risks
- Identifying emerging risks and driving appropriate risk mitigation
You'll work cross-functionally with Finance, Operations, Accounting, IT, and Data Science teams to ensure the business operates safely while growing the retail credit portfolio profitably.
REQUIREMENTS:
- 7+ years of experience managing retail credit risk across products such as credit cards and unsecured personal loans
- Solid understanding of credit risk governance and the 3 lines of defence model within financial institutions
- Expertise in Colombian and European credit risk regulations, methodologies, and frameworks
- Knowledge of behavioural scoring models and their application to retail credit portfolios
- Strong analytical skills and data-driven approach to risk assessment and decision-making
- Proficiency in SQL and Python for analysing portfolio and risk data
- Excellent communication and storytelling skills with ability to explain complex concepts simply
- Impeccable organisational skills and ability to manage multiple priorities in a dynamic environment
- Understanding of overall operations and ability to collaborate effectively across functions
- Fluency in English and Spanish
NICE TO HAVE:
- Understanding of the Basel framework and its application to credit risk management
