Credit Analytics Manager (SME Business Lending)

Credit Analytics Manager

Office: London | Remote: Ireland, Poland, Portugal, Spain, UK

About Revolut

People deserve more from their money. More visibility, control, and freedom. Since 2015, Revolut has been on a mission to deliver just that. Our products—including spending, saving, investing, exchanging, traveling, and more—help our 55+ million customers get more from their money every day.

As we grow rapidly, our success relies on our people and culture. Recognized as a Great Place to Work, we have over 10,000 employees worldwide, working from offices and remotely, all committed to our mission. We seek talented individuals who love building innovative products and simplifying complex challenges.

About the role

The credit department at Revolut is dynamic and innovative. We design, develop, and launch credit products globally, managing each product from inception to deployment. Our team develops backend and frontend solutions, data science infrastructure, and local setups with scalable risk and portfolio management solutions. We are looking for a Credit Manager to provide analytics support across our credit teams worldwide, covering consumer and SME lending products. This is an opportunity to be an early hire and influence our credit analytics function. Your stakeholders will include the Head of Credit, Policy team, and modelling experts, collaborating to craft leading fintech credit features.

What you\’ll be doing

1. Develop account-level valuation frameworks to optimize credit underwriting policies using NPV models for portfolio-level returns.
2. Continuously develop and optimize credit strategies for new originations, existing customer management, and arrears to maximize risk-adjusted returns.
3. Enhance automated credit decisioning capabilities.
4. Design, deploy, and analyze champion-challenger tests throughout the credit lifecycle.
5. Create analytical tools for local credit teams.
6. Support budgeting, forecasting, and planning by analyzing market trends and selecting initiatives.
7. Monitor and communicate performance insights on ongoing initiatives, maintaining oversight of all credit KPIs.
8. Ensure compliance and proper rating of the first line credit risk function with second line, third line, and regulators.
9. Identify and onboard new data suppliers.

What you\’ll need

1. 5–7 years of experience in credit risk management within consumer or SME lending.
2. Ability to simplify complex topics and communicate clearly.
3. Curiosity and a data-driven decision-making approach.
4. Proficiency with large datasets using Python (Pandas) or SQL.
5. Understanding of credit policy governance and working effectively with second/third line defenses.
6. Strong planning skills to manage multiple objectives.
7. Proactive problem-solving skills considering inter-dependencies.
8. Awareness of speed-to-market importance and balancing problem-solving with business needs.
9. Knowledge of credit scoring models for retail credit.

Revolut values diversity and inclusion, believing that diverse teams create better products and services. We encourage applicants from varied backgrounds to join our multicultural team.

Important notice for candidates:

Beware of job scams. Apply only through official Revolut channels using our verified email domain @revolut.com. We will not ask for payment or personal financial information during the hiring process. Report any suspicious activity.

By applying, you confirm that all information provided is accurate and complete, and consent to data processing as per Revolut\’s Candidate Privacy Notice.

Benefits at Revolut

We offer benefits that truly matter, including:

• Competitive financial benefits
• Flexible working arrangements
• A free Revolut Metal subscription
• Year-round events to connect with your team

Our Values

We aim to deliver excellence, foster innovation, and encourage deep thinking. Our culture emphasizes results, grit, and continuous improvement, striving to be the best in the fintech industry.

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