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Revolut is seeking a Retail Credit Risk Manager to join its growing fintech operation in Mexico City. This role sits within the Risk function and is responsible for overseeing the company's retail credit portfolio, ensuring it operates safely and profitably while maintaining regulatory compliance.
Key responsibilities include:
- Monitoring and managing exposure to retail credit risk through limit calibration and appetite governance
- Evaluating first-line-of-defense proposals to ensure alignment with risk appetite and industry best practices
- Ensuring compliance with CNBV and Banxico regulatory frameworks specific to retail credit risk, including proactive management of reporting standards and compliance updates
- Overseeing end-to-end credit provisions calculations for the credit card portfolio, ensuring accuracy and adherence to regulatory methodologies
- Collaborating with the Risk Modelling team to design, develop, and implement retail credit risk models (PD/EL)
- Maintaining key policies, procedures, and controls across the retail credit function
- Engaging first-line business teams to identify, monitor, and govern emerging retail credit risks and new product assessments
- Partnering with stakeholders, committees, and regional regulators on material credit risk exposures and limit governance
- Identifying emerging risks that could threaten long-term viability
Required qualifications:
- 4+ years of retail credit risk experience in banking or financial services
- Deep knowledge of retail credit products (unsecured personal loans, credit cards, overdrafts)
- Solid understanding of retail credit risk modelling methodologies (PD/EL)
- Strong analytical skills and familiarity with local data sources and Mexican financial markets
- Experience in a second line of defense (risk) function within a bank
Preferred: degree in finance, accounting, economics, statistics, or related quantitative field.
This is an opportunity to shape Revolut's credit risk strategy in a high-growth fintech operating across 75+ million customers globally.
