Credit Policy Manager (Mortgages)

Credit Policy Manager (Mortgages)

Company

Revolut

Conditions

6 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 and scale mortgage credit risk policies, procedures, and underwriting frameworks for Ireland. You will use data to manage risk, pricing, credit limits, portfolio returns, and performance initiatives. You will conduct quality reviews, support planning and product optimisation, train colleagues, and maintain compliance with regulatory and risk-control requirements.

Requirements

• Proven track record managing credit risk for mortgages, credit cards, or unsecured personal loans
• Bachelor's degree in a quantitative or analytical field
• Understanding of credit policy governance frameworks and credit risk models
• Ability to work effectively with second- and third-line defence functions
• Ability to identify and resolve issues proactively
• Ability to explain complex concepts simply
• Critical thinking and decision-making skills
• Working knowledge of SQL and data analysis tools

Responsibilities

• Build and scale underwriting policies and frameworks that balance risk, operational efficiency, and customer experience
• Make data-driven marginal credit decisions
• Manage credit limits, risk-based pricing, retention strategies, regulatory changes, and feature launches
• Adjust risk-return requirements and portfolio returns based on new data
• Assess market and industry trends to support budgeting, sales forecasting, and planning
• Conduct quality assurance reviews for accurate, consistent, and compliant decisions
• Provide training and mentorship on credit risk management
• Contribute to product development and funnel optimisation initiatives
• Track initiative performance and monitor credit KPIs
• Ensure approval and strong ratings of the first-line credit risk function from control functions and regulators

Benefits

• Financial benefits
• Flexibility to work from home, the office, or abroad
• Revolut Metal subscription
• Year-round team events