Senior Credit Manager Policy

Senior Credit Manager Policy

Company

Revolut

Conditions

4 days ago

Skills

Candidate Availability

Required and preferred rules are kept separate and reflect the wording in the original posting.

About the Role

You will design credit risk policies, procedures, and strategies for retail lending products. You will validate underwriting strategies, manage credit limits and risk-based pricing, adjust portfolio returns as new data emerges, support budgeting and forecasting, monitor credit KPIs, implement operational improvements, and maintain strong governance with risk functions and regulators.

Requirements

• Experience managing the risk cycle for retail credit products such as credit cards and unsecured personal loans
• Bachelor's degree in a quantitative or analytical field such as engineering, statistics, physics, mathematics, economics, or management
• Understanding of credit policy governance frameworks and second- and third-line risk processes
• Track record of delivering results that exceed requirements
• Forward-thinking approach to planning and issue resolution
• Knowledge of credit and behavioural scoring models for retail credit products
• Ability to explain complex concepts clearly and simply
• Understanding of speed-to-market considerations and business needs

Responsibilities

• Develop account-level valuation and credit underwriting policies using NPV frameworks
• Make data-driven marginal credit decisions
• Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
• Adjust risk-return requirements and portfolio returns as new data becomes available
• Support annual budgeting, forecasting, and planning processes
• Track initiatives, communicate performance insights, and monitor credit KPIs
• Identify operational inefficiencies and implement small-scale departmental changes
• Ensure approval and strong ratings from risk functions and regulators

Benefits

• Flexibility to work from home, the office, or abroad
• Revolut Metal subscription with perks
• Exciting events throughout the year

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