Credit Analytics Manager (SME Business Lending)

About Revolut

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 60+ million customers get more from their money every day. As we continue our lightning-fast growth, two 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.

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. We’re looking for a Credit Manager who’ll provide analytics services to our Credit teams around the world, from consumer credit to SME lending products.

Your stakeholders and crew aboard this Revolut rocket ship will be the Head of Credit, the Policy team, and the modelling experts to craft the best credit features in fintech.

What you’ll be doing

• Developing account level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returns
• Developing and optimising credit strategies on an ongoing basis (new originations, existing customer management, arrears management) to maximise portfolio risk adjusted returns
• Improving the automated credit decisioning capabilities
• Designing, deploying, and analysing champion-challenger tests across the credit lifecycle
• Building and deploying analytical tools for use by local credit teams
• Supporting the annual budget, forecast, and planning processes, from assessment of market/industry trends through analysis, initiative selection, and preparation
• Tracking, communicating, and drawing insights from performance of ongoing initiatives, staying on top of all credit KPIs through intensive monitoring
• 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

• 5–7 years of experience in credit risk management in consumer lending or SME lending products
• The ability to extract the essence from complex matters and explain it simply
• Being inquisitive and ensuring decisions are data-driven
• Expertise working with large datasets using Python (Pandas) or SQL
• A solid understanding of credit policy governance framework and the ability to work through the second/third line of defence in a competent manner
• The ability to plan appropriately to meet multiple objectives
• To be 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 needs
• An understanding of credit scoring models for retail credit products

Building 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 every day. 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.

Benefits at Revolut

• Financial benefits that show we value your work
• Flexibility to work from home, the office or abroad
• A free Revolut Metal subscription loaded with perks
• Exciting events year-round so you can get to know your team

Revolut 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.