Credit Manager (Policy)

About RevolutPeople 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 65+ 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 10,000+ 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.About The RoleThe Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward-thinking solutions tailored to each region.We're looking for a Credit Manager to design credit risk policies, procedures, and strategies for our retail lending features. You'll be managing validation of the underwriting strategy, as well as leading the charge for preventative and reactive actions to the market and product offering.Up to shape what's next in finance? Let's get in touch.What You’ll Be DoingDeveloping account-level valuation and credit underwriting policies using NPV frameworks to improve portfolio-level economic returnsMaking data-driven decisions with a special focus on marginal decision-makingManaging credit limits, risk-based pricing, retention strategies, over-limit policies, etc.Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to lightSupporting the annual budget, forecast, and planning processes, from concept to deliveryTracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoringIdentifying operational inefficiencies and managing the implementation of small-scale change within the Credit departmentEnsuring approval and good rating of first-line credit risk function from second line, third line, and regulatorsWhat You'll NeedExperience managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.A bachelor's degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or managementA solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent mannerA track record of delivering excellent results that exceed requirementsTo be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issuesKnowledge of credit and behavioural scoring models, especially for retail credit productsThe ability to explain complex concepts in a clear, simple mannerTo understand the value of speed to market and balance between elegant problem-solving and business needsKnowledge of the Dutch housing and mortgage marketNice to haveA master's degreeExcellent working knowledge of SQL, R, Python, and/or other data analysis toolsA willingness to learn new technology to help the business scaleBuilding a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.Important notice for candidates:Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles. Only apply through official Revolut channels. We don’t use any third-party services or platforms for our recruitment. Always double-check the emails you receive. Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.We won't ask for payment or personal financial information during the hiring process. If anyone does ask you for this, it’s a scam. Report it immediately.By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice