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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 75+ million customers and 13,000+ employees worldwide, the company is scaling rapidly across multiple regions.
The Credit team at Revolut designs and scales lending features that power global growth, managing the entire product lifecycle from backend systems to customer-facing experiences. This Senior Credit Manager role focuses on policy development and risk management for retail lending products.
Key responsibilities include:
- Developing account-level valuation and credit underwriting policies using NPV frameworks to optimize portfolio-level economic returns
- Making data-driven decisions with emphasis on marginal decision-making and risk-based pricing
- Managing credit limits, retention strategies, over-limit policies, and portfolio risk adjustments
- Supporting annual budget, forecast, and planning processes
- Tracking and communicating performance of credit initiatives while monitoring key credit KPIs
- Identifying operational inefficiencies and managing implementation of departmental improvements
- Ensuring approval and positive ratings from first, second, and third-line risk functions and regulators
Required qualifications:
- Experience managing the risk cycle for retail credit products (credit cards, unsecured personal loans, etc.)
- Bachelor's degree from a top university in a quantitative/analytical field (engineering, statistics, physics, mathematics, economics, management)
- Solid understanding of credit policy governance frameworks and regulatory compliance
- Track record of delivering results that exceed requirements
- Knowledge of credit and behavioral scoring models for retail credit products
- Ability to explain complex concepts clearly and simply
- Understanding of balancing speed to market with elegant problem-solving
Nice-to-have qualifications include a master's degree and working knowledge of SQL, R, Python, or other data analysis tools.
