Credit Manager (Policy)

TL;DR

Credit Manager (Policy) (Fintech): Designing and managing credit risk policies and underwriting strategies for retail lending products with an accent on portfolio economic returns and risk governance. Focus on data-driven decision-making, credit limit management, and regulatory compliance within the Brazilian market.

Location: Hybrid in Sao Paulo office with remote work allowed within Brazil

Company

Revolut is a global fintech company offering a broad range of financial products to over 75 million customers worldwide, focused on delivering more control and freedom with money.

What you will do

• Develop account-level valuation and credit underwriting policies using NPV frameworks to improve portfolio returns
• Make data-driven decisions focusing on marginal decision-making
• Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
• Adjust risk-return requirements and portfolio returns based on new data
• Support annual budget, forecast, and planning processes
• Track and communicate credit KPIs and performance insights
• Identify operational inefficiencies and implement changes within the Credit department
• Ensure approval and good rating of credit risk function from second line, third line, and regulators

Requirements

• Experience managing risk cycle for retail credit products such as credit cards and unsecured personal loans
• Bachelor's degree in quantitative/analytical field (engineering, statistics, physics, maths, economics, or management)
• Solid understanding of credit policy governance frameworks and regulatory compliance
• Proven track record of delivering results exceeding requirements
• Forward-thinking with ability to plan, meet objectives, and proactively resolve issues
• Knowledge of credit and behavioural scoring models for retail credit products
• Ability to explain complex concepts clearly and simply
• Understanding of balancing speed to market with elegant problem-solving and business needs

Nice to have

• Master's degree
• Excellent working knowledge of SQL, R, Python, or other data analysis tools
• Willingness to learn new technology to help scale the business

Culture & Benefits

• Inclusive and diverse workplace with a strong focus on employee experience
• Global fintech company with a multicultural and hard-working team
• Official recruitment channels only to ensure candidate security