About Revolut

People deserve more from their money. More visibility, more control, more freedom. And since 2015, Revolut has been on a mission to deliver just that. With an arsenal of awesome products that span spending, saving, travel, transfers, investing, exchanging and more, we've helped 45+ million customers get more from their money. And we're not done yet.

As we continue our lightning-fast growth,‌ two things are essential to continuing our success: our people and our culture. We've been officially certified as a Great Place to Work™ in recognition of our outstanding employee experience! So far, we have 10,000+ people working around the world, from our great offices or remotely, on our mission. And we're looking for more. We want brilliant people that love building great products, love redefining success, and love turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

The credit department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe. The team manages our products from day one to the end, developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions. It's a big job, but our people are a credit to us all ✨

We’re looking for a Credit Manager who’ll provide analytics services to credit teams around the world. This is your chance to get your foot in the door early, and leave your mark on this team as one of our first hires in this area. Your stakeholders and crew aboard this Revolut rocket ship will be the Heads of Credit, the policy team, and the modelling experts to craft the best Credit products in the fintech business 🚀

What you’ll be doing

• Managing portfolios within risk appetite
• Optimising credit strategies on an ongoing basis (new originations, existing customer management, arrears management) to maximise portfolio risk adjusted returns
• Supporting the development of credit strategies to launch new products by conducting in-market tests to define the right product market fit, target customer segments
• Forecasting and external data gathering
• Improving the automated credit decisioning capabilities
• Designing, deploying, and analysing champion-challenger strategies across the credit lifecycle
• Building and deploying analytical tools for use by the local credit teams
• Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators
• Selecting and onboarding new data suppliers

What you'll need

• Proven experience in credit risk management of unsecured retail credit portfolios (credit origination, credit limit management, risk based pricing, retention strategies, etc.)
• Impressive experience in making data-driven decisions
• Proven experience working with large datasets using Python (Pandas)
• A bachelor's degree (or higher) in a quantitative/analytical subject like maths, engineering, physics, or computer science from a top university
• The ability to extract the essence from complex matters and explain it simply
• Fluency in English
• A solid understanding of credit policy governance framework and the ability to work through the 2nd/3rd line of defence in a competent manner
• The ability to plan appropriately to meet multiple objectives
• Forward thinking on inter-dependencies to proactively identify and resolve issues
• An understanding of the value of speed to market and ability to balance between elegant problem solving and business need of the hour
• An understanding of credit scoring models for retail credit products

Nice to have

• Knowledge and experience working with SQL, SAS, and other data languages
• Credit Card experience