PPeople deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our products — including spending, saving, investing, exchanging, traveling, and more — help our 55+ million customers get more from their money every day. /ppAs we continue our rapid growth, two things are essential: our people and our culture. We have been recognized as a Great Place to Work and currently employ over 10,000 people worldwide, both in offices and remotely, all working towards our mission. We are seeking talented individuals who love building innovative products, redefining success, and simplifying complex problems. /ppbAbout the role /b /ppThe credit department at Revolut is dynamic and innovative. They design, develop, and launch credit features globally, managing products from inception to deployment, including back-end and front-end development, data science infrastructure, and local risk and portfolio management solutions. The team is integral to our success. /ppAs a Credit Manager, you will be responsible for developing credit risk policies, procedures, and strategies for Revolut’s SME lending products. This is a new addition to our portfolio. You will oversee the validation of underwriting strategies and lead initiatives to mitigate market and product risks. /ppbWhat you'll be doing /b /pulliDetermining credit strategy for SME lending in the EU /liliDeveloping valuation frameworks for underwriting using NPV models to optimize portfolio returns /liliOptimizing credit strategies to maximize risk-adjusted returns /liliEnhancing credit decisioning capabilities, balancing automation with manual review /liliDesigning and analyzing champion-challenger tests across the credit lifecycle /liliManaging credit limits, risk-based pricing, and policies /liliSupporting budgeting, forecasting, and strategic planning /liliMonitoring and analyzing credit KPIs and ongoing initiatives /liliEnsuring compliance and good ratings from regulators and internal risk functions /liliOnboarding new data suppliers /li /ulpbWhat you'll need /b /pulliExperience managing risk for SME credit products such as unsecured loans and credit lines /liliBachelor’s degree in a quantitative or analytical field from a top university /liliUnderstanding of credit policy governance and risk management frameworks /liliProven results exceeding expectations /liliForward-thinking with strong problem-solving skills /liliKnowledge of credit and behavioral scoring models for SME lending /liliAbility to communicate complex concepts clearly /liliUnderstanding of speed-to-market and balancing problem-solving with business needs /li /ulpbNice to have /b /pulliProficiency in SQL, R, Python, or similar data analysis tools /liliWillingness to learn new technologies to scale the business /li /ulpRevolut values diversity and inclusion. We encourage applications from candidates of diverse backgrounds to foster innovation and excellence. /ppbImportant notice for candidates : /b /ppJob scams are increasing. Please apply only through official channels, verify email addresses, and be cautious of requests for payment or personal information. We do not ask for payment during the hiring process. /ppBy submitting your application, you confirm that all information provided is accurate and complete, and you agree to our data processing policies. /ppbBenefits at Revolut /b /pulliCompetitive financial benefits /liliFlexible working arrangements /liliRevolut Metal subscription with perks /liliEngaging events and team activities /li /ulpWe are committed to building a talented, motivated team that strives for excellence and innovation. /p #J-18808-Ljbffr