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 55+ 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 department at Revolut is anything but ordinary. They design, develop, and launch credit features 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.As a Credit Manager, you'll be responsible for designing credit risk policies, procedures, and strategies for Revolut’s business (SME) lending products. This is a brand new feature in our portfolio. As the book grows, 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 for the challenge? Let's get in touch.What you'll be doingDetermining the credit strategy for SME lending products in EUDeveloping account-level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returnsOptimising credit strategies (new originations, existing customer management, arrears management) to maximise portfolio risk-adjusted returnsImproving credit decisioning capabilities, balancing them with a manual approachDesigning, deploying, and analysing champion-challenger tests across the credit lifecycleManaging credit limits, risk-based pricing, retention strategies, and over-limit policiesSupporting the annual budget, forecast, and planning processes, from assessing data to preparing a strategic planTracking, communicating, and drawing insights from performance of ongoing initiatives, staying on top of credit KPIs through intensive monitoringEnsuring approval and good rating of first line credit risk function from second line, third line, and regulatorsSelecting and onboarding new data suppliersWhat you'll needA proven track record of managing the risk cycle for SME credit products, like unsecured business loans, credit lines, etc.A bachelor's degree from a top university in an quantitative / analytical field, such as engineering, statistics, physics, math, economics, or managementA solid understanding of credit policy governance frameworks to work through second / third line of defence in a competent mannerTo deliver excellent results that exceed requirementsTo be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify / resolve issuesA solid understanding of credit and behavioural scoring models for business lending products, especially in the SME segmentThe 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 needs of the hourNice to haveExcellent working knowledge of SQL, R, Python, and / or other data analysis toolsA willingness to learn new technology to help 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 NoticeBenefits at RevolutNo ping pong tables or bean bag chairs, just benefits you actually wantGet what you need to succeedFinancial benefits that show we value your workFlexibility to work from home, the office or abroadA free Revolut Metal subscription loaded with perksExciting events year-round so you can get to know your teamRevoluters always push through! We stopped listening to excuses a long time ago - we care about results. We believe that grit, determination, skill, smartness, and courage can break through almost any wall.Deliver WOWWe love building great products, we love delighting our customers, we love turning the complexity of a chaotic world into the simplicity of a beautiful solution that truly solves customer needs.Dream TeamWe select, coach, and retain the top talent only and give them all the support to achieve greatnessNever SettleRevolut is for those who always strive for excellence, for those who want to become the best in the world at what they do, for those who would never settle for less. Revolut is for 10x people.Think DeeperLogic, reason, and common sense prevail over everything else in decision making at Revolut. We are open-minded, we listen, and we are always in search of the truth.J-18808-Ljbffr
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