People 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.
As 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.
About the role
The 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.
As 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.
What you'll be doing
* Determining credit strategy for SME lending in the EU
* Developing valuation frameworks for underwriting using NPV models to optimize portfolio returns
* Optimizing credit strategies to maximize risk-adjusted returns
* Enhancing credit decisioning capabilities, balancing automation with manual review
* Designing and analyzing champion-challenger tests across the credit lifecycle
* Managing credit limits, risk-based pricing, and policies
* Supporting budgeting, forecasting, and strategic planning
* Monitoring and analyzing credit KPIs and ongoing initiatives
* Ensuring compliance and good ratings from regulators and internal risk functions
* Onboarding new data suppliers
What you'll need
* Experience managing risk for SME credit products such as unsecured loans and credit lines
* Bachelor’s degree in a quantitative or analytical field from a top university
* Understanding of credit policy governance and risk management frameworks
* Proven results exceeding expectations
* Forward-thinking with strong problem-solving skills
* Knowledge of credit and behavioral scoring models for SME lending
* Ability to communicate complex concepts clearly
* Understanding of speed-to-market and balancing problem-solving with business needs
Nice to have
* Proficiency in SQL, R, Python, or similar data analysis tools
* Willingness to learn new technologies to scale the business
Revolut values diversity and inclusion. We encourage applications from candidates of diverse backgrounds to foster innovation and excellence.
Important notice for candidates :
Job 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.
By submitting your application, you confirm that all information provided is accurate and complete, and you agree to our data processing policies.
Benefits at Revolut
* Competitive financial benefits
* Flexible working arrangements
* Revolut Metal subscription with perks
* Engaging events and team activities
We are committed to building a talented, motivated team that strives for excellence and innovation.
#J-18808-Ljbffr