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About Revolut

Since 2015, Revolut has empowered over 75 million customers with a wide range of financial products including spending, saving, investing, and more, providing enhanced visibility, control, and freedom over money. The company has grown rapidly, boasting over 13,000 employees globally, both remote and in offices, and has earned recognition as a Great Place to Work™.

Role Overview

The Credit team at Revolut is responsible for developing and scaling lending solutions that support global expansion. They handle everything from backend systems to consumer-facing interfaces by combining market insights, risk management, and precise technical execution.

We are seeking a Lead Credit Manager to head the team managing credit product valuation models and optimize credit strategies. This role involves monitoring metrics, achieving financial targets, and overseeing quarterly forecasting processes.

Key Responsibilities

Head the team managing valuation models for credit products, refining assumptions to improve performance continuously.
Manage the quarterly forecasting process for all credit products.
Act as the primary contact with Finance, aligning Credit KPIs across teams and ensuring execution.
Set the credit decision framework in cooperation with the second line of defence and Finance.
Enhance credit strategies for new origination, customer portfolio management, and arrears to maximize risk-adjusted returns.
Support credit strategy development for new products through market testing to establish customer fit and segment targeting.
Plan and analyze champion-challenger tests involving pricing, credit limits, and other lending parameters.
Create analytical tools tailored for local credit teams.
Maintain regulatory compliance by securing proper approvals and strong ratings from all lines of credit risk control and regulators.

Qualification and Skills

Minimum 8 years of relevant experience in credit risk management, specifically retail credit portfolios like personal loans and credit cards.
Proficient with credit product valuation models and credit scoring models for retail lending.
Skilled in data-driven decision-making using substantial datasets and tools such as Python or SQL.
Holds a bachelor's degree in a quantitative or analytical field (mathematics, engineering, physics, computer science) from a leading university.
Adept at simplifying complex topics for clear communication.
Strong understanding of credit policy governance frameworks and effective interaction with second and third lines of defence.
Appreciates the balance between swift market delivery and comprehensive problem-solving.

Diversity and Inclusion Statement

Revolut is committed to fostering an inclusive and diverse workplace as part of its mission to create exceptional, innovative financial solutions. Applications from diverse backgrounds and experiences are strongly encouraged.

Important Candidate Notice

Apply only through official Revolut channels; no third-party services are used in recruitment.
Verify correspondence is from official @revolut.com email addresses.
Be aware that Revolut will never request payment or personal financial information during hiring; report any such requests as scams.

Declaration

By applying, candidates confirm the accuracy and truthfulness of their application and agree to the processing of their personal data according to Revolut's Candidate Privacy Notice.

Lead Credit Manager (Analytics)