Retail Credit Risk Manager

Retail Credit Risk Manager at Revolut

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 powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 70+ million customers get more from their money every day.

As we continue our lightning-fast growth,‌ 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work™. So far, we have 13,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

Risk at Revolut operates across all functions, products, and regions to monitor front-line performance and ensure the business operates safely. They’re among the first to be involved in new initiatives, from tech to customer support.

We’re looking for a Retail Credit Risk Manager who'll support growing our retail credit portfolio. You'll make data-driven decisions on risk-adjusted return requirements and lead preventive and reactive actions that impact portfolio credit performance and profitability.

Up to shape what's next in finance? Let’s get in touch.

What You'll Be Doing

• Overseeing exposure to retail credit risk
• Working with the Risk Modelling team to design, develop, and implement retail credit risk models
• Managing risk appetite through limit calibration and monitoring
• Maintaining key policies, procedures, and controls
• Engaging with first-line businesses to identify, monitor, and govern emerging retail credit risks, including new product risk assessments
• Engaging with key stakeholders, committees, and regional regulators on material retail credit risk exposures and limit governance
• Quantifying risk exposures within the organisation, taking into consideration stakeholder impact
• Protecting the company from excessive risk-taking, saving on both short and long-term costs
• Building trust and reputation with our external stakeholders and ensuring risks are managed within the risk appetite
• Identifying emerging risks that require immediate attention or could threaten long-term viability

What You'll Need

• 7+ years of experience managing the risk cycle for retail credit products, like credit cards and unsecured personal loans
• A solid understanding of credit policy governance framework, and the ability to work through the three lines of defence in a competent manner
• Expertise in European Credit Risk regulations, issues, and methodologies
• Knowledge behavioural scoring models related to retail credit products
• Great communication skills to explain complex concepts in a simple manner
• A deep-thinking mindset to balance date analysis and decision-making
• To thrive in dynamic working environments
• A data-driven approach to problem solving

Nice to have

• Practical retail credit risk experience in Western European markets
• Knowledge of SQL, R, Python, or other data analysis tools
• A willingness to learn new technology
• Experience in business credit and mortgage lending

Key skills/competency

• Retail Credit Risk
• Credit Portfolio Management
• Risk Modelling
• Credit Policy Governance
• European Credit Regulations
• Risk Appetite Management
• Data Analysis
• Stakeholder Engagement
• Emerging Risk Identification
• Behavioral Scoring