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Revolut is a global fintech company on a mission to give people more from their money through spending, saving, investing, exchanging, and travel products. With 80+ million customers and 13,000+ employees worldwide, the company is experiencing rapid growth and seeking a Retail Credit Risk Manager to help scale its retail credit portfolio safely and profitably.
In this role, you will oversee retail credit risk exposure across the full credit lifecycle, from customer acquisition through portfolio management and collections. You'll monitor portfolio performance using key performance indicators and behavioral change indicators, identifying trends and emerging risks. Working closely with the Risk Modelling team, you'll develop, implement, and monitor retail credit risk models while managing risk appetite through limit calibration and escalation of material exposures.
Key responsibilities include 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 engaging with senior stakeholders, risk committees, and regional regulators on material credit risks and limit governance. You'll identify emerging risks requiring immediate action and drive appropriate risk mitigation strategies.
You'll collaborate across Finance, Operations, Accounting, IT, and Data Science teams to understand overall operations and support the business's risk management objectives.
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 behavioral 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 analyzing portfolio and risk data
- Excellent communication and storytelling skills with ability to explain complex concepts simply
- Impeccable organizational skills and ability to manage multiple priorities in dynamic environments
- Fluency in English and Spanish
NICE TO HAVE:
- Understanding of the Basel framework and its application to credit risk management
