At a Glance
- Tasks: Design and implement credit risk policies for innovative retail lending features.
- Company: Join Revolut, a fast-growing fintech revolutionising how people manage their money.
- Benefits: Flexible work options, competitive pay, and a free Revolut Metal subscription.
- Other info: Diverse and inclusive workplace with excellent career development opportunities.
- Why this job: Shape the future of finance while making a real impact on global growth.
- Qualifications: Experience in managing retail credit products and strong analytical skills required.
The predicted salary is between 36000 - 60000 £ per year.
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 70+ 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 13,000+ 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 role
The 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 doing
- Developing account-level valuation and credit underwriting policies using NPV frameworks to improve portfolio-level economic returns
- Making data-driven decisions with a special focus on marginal decision-making
- Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
- Supporting the annual budget, forecast, and planning processes, from concept to delivery
- Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
- Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit department
- Ensuring approval and good rating of first-line credit risk function from second line, third line, and regulators
What you'll need
- A proven track record of managing the risk cycle for retail credit products, like credit cards, unsecured personal loans, etc.
- A bachelor's degree from a top university in a quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
- A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
- To deliver excellent results that exceed requirements
- To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
- Knowledge of credit and behavioural scoring models, especially for retail credit products
- The ability to explain complex concepts in a clear, simple manner
- To understand the value of speed to market and balance between elegant problem-solving and business needs
Nice to have
- Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
- A willingness to learn new technology to help the business scale
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’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
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.
Benefits at Revolut
No ping pong tables or bean bag chairs, just benefits you actually want. Get what you need to succeed:
- 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
Revoluters 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 WOW. We 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 Team. We select, coach, and retain the top talent only and give them all the support to achieve greatness.
Never Settle. 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. Revolut is for 10x people.
Think Deeper. Logic, 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.
Credit Manager (Policy) employer: Revolut Ltd
Revolut Ltd is an exceptional employer, offering a dynamic work culture that prioritises flexibility and employee well-being. With a comprehensive benefits package and opportunities for professional growth, employees are empowered to thrive in their roles while contributing to meaningful compliance efforts in the financial sector from the comfort of their own homes across the UK.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Manager (Policy)
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those already at Revolut. A friendly chat can open doors and give you insider info that could make your application stand out.
✨Tip Number 2
Prepare for the interview by diving deep into Revolut's products and values. Show us you’re not just another candidate; demonstrate how your skills align with our mission to help customers get more from their money.
✨Tip Number 3
Practice your pitch! Be ready to explain your experience and how it relates to the role of Credit Manager. Keep it clear and concise, and don’t forget to highlight your data-driven decision-making skills.
✨Tip Number 4
Apply through our official website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining our team at Revolut.
We think you need these skills to ace Credit Manager (Policy)
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the Credit Manager role. Highlight your experience with credit risk policies and data-driven decision-making, as these are key aspects of the job.
Showcase Your Skills:Don’t forget to mention your analytical skills and any relevant tools you’re familiar with, like SQL or Python. We want to see how you can contribute to our mission of delivering more visibility and control to our customers.
Be Clear and Concise:When writing your application, keep it straightforward. Use simple language to explain complex concepts, as this reflects your ability to communicate effectively, which is crucial for the role.
Apply Through Our Website:Remember to apply through our official Revolut channels. This ensures your application gets to us directly, and helps you avoid any potential scams. We can’t wait to hear from you!
How to prepare for a job interview at Revolut Ltd
✨Know Your Numbers
As a Credit Manager, you'll need to demonstrate your understanding of credit risk and financial metrics. Brush up on key performance indicators (KPIs) related to credit products, and be ready to discuss how you've used data-driven decisions in past roles.
✨Showcase Your Analytical Skills
Prepare to explain complex concepts in a simple manner. Think about examples where you've successfully communicated intricate credit policies or risk assessments to non-technical stakeholders. This will show your ability to bridge the gap between technical and business needs.
✨Be Forward-Thinking
Revolut values innovation and proactive problem-solving. Come prepared with ideas on how you would approach developing credit policies and managing portfolio returns. Highlight any experience you have with adjusting strategies based on new data or market changes.
✨Cultural Fit Matters
Revolut is all about building a great team culture. Research their values and think about how your personal work ethic aligns with theirs. Be ready to share examples of how you've contributed to a positive team environment in previous roles.
