At a Glance
- Tasks: Lead analytics for global credit products, optimising strategies and decision-making processes.
- Company: Revolut is a fintech powerhouse, transforming how 60+ million customers manage their money since 2015.
- Benefits: Enjoy flexible remote work options, a vibrant culture, and the chance to shape innovative financial solutions.
- Other info: Diversity and inclusion are key; we welcome applicants from all backgrounds.
- Why this job: Join a certified Great Place to Work and make a real impact in the fintech industry.
- Qualifications: 5-7 years in credit risk management; strong data skills in Python or SQL required.
The predicted salary is between 43200 - 72000 £ per year.
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. 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 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. It’s a big job, but our people are a credit to us all. 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. This is your chance to get your foot in the door early and leave your mark as one of our first hires on this team. 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’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 Notice.
Credit Analytics Manager employer: Revolut
Revolut is an exceptional employer, offering a dynamic work culture that prioritises innovation and employee growth. With a commitment to diversity and inclusion, employees are empowered to contribute to meaningful projects while enjoying competitive benefits and the flexibility of remote work. Join us in London and be part of a team that is redefining the financial landscape for over 60 million customers worldwide.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analytics Manager
✨Tip Number 1: Tap Into Professional Networks
The finance world loves a good connection, so jump into industry-specific groups on platforms like LinkedIn where you can find discussions on financial controlling. Engaging in these communities can expose you to hidden job leads that aren't openly advertised!
✨Tip Number 2: Attend Finance Events and Conferences
Make it a mission to attend finance-related events and conferences, even virtual ones! This is a golden opportunity to network face-to-face with people from companies like Revolut. You never know who might be your next boss or a crucial contact!
✨Tip Number 3: Showcase Your Expertise
Consider writing articles or sharing insights related to financial controlling or industry trends. Publish these on platforms like LinkedIn to establish yourself as a knowledgeable player in the field. This not only increases your visibility but also catches the attention of recruiters from Revolut.
✨Tip Number 4: Apply Directly on Company Websites
Since you're going for a full-time gig, don't forget to keep an eye on the careers page of companies you're interested in, like Revolut. Many companies prefer candidates who apply through their website as it shows genuine interest and makes your application stand out!
We think you need these skills to ace Credit Analytics Manager
Some tips for your application 🫡
Show Off Your Numbers Game:In financial controlling, detail is everything! Make sure your CV showcases your proficiency with numbers—highlight any relevant experience in budgeting, forecasting, or working with financial software. Quantifying your past achievements will make you stand out, so don’t be shy about flaunting those impressive percentages or cost savings you've implemented.
Tailored Cover Letter is Key:Your cover letter is a chance to shine, especially for a full-time role. Use it to express your genuine interest in Revolut and the specific impact you hope to make in financial controlling. Mention any relevant qualifications or experiences that align with the company’s goals, and don’t forget to show that you're ready for a long-term commitment!
Certifications Matter:List relevant certifications such as ACCA or CIMA on your CV. These qualifications not only showcase your dedication to the field but also your technical competence in financial principles. If you have any ongoing training or courses, make sure to mention those as well to demonstrate your commitment to continual learning in financial controlling.
Don’t Overlook Soft Skills:While numbers are crucial, so are those soft skills! Financial controllers need strong communication and analytical reasoning abilities. We recommend embedding examples of these skills in your CV and cover letter, like how you’ve successfully delivered financial reports to stakeholders or collaborated with teams to improve processes. Let’s show Revolut how you can be a team player!
How to prepare for a job interview at Revolut
✨Brush Up on Technical Skills
Make sure you're comfortable with key financial concepts, especially around forecasting, budgeting, and variance analysis. Sometimes, interviewers may throw in technical questions or case studies, so practicing these types of scenarios will help you shine!
✨Showcase Your Financial Acumen
If you've had experience with specific financial software like SAP or Oracle, make it known! Be ready to discuss how you used these tools to improve processes or reporting, as this hands-on knowledge can really set you apart in a full-time role with Revolut.
✨Know Your Numbers
In full-time interviews, especially in financial controlling, be prepared for numerical reasoning tests or questions. Brush up on your mental maths and understand how to interpret and analyse financial statements on the spot, as this may come up during the assessment.
✨Connect with Company Goals
Familiarise yourself with Revolut's financial objectives and any recent developments. During the interview, try to weave your understanding of their business model and challenges into your answers—this shows your genuine interest and alignment with their goals!
