Lead Credit Manager (Fintech)

TL;DR

Lead Credit Manager (Fintech): Designing credit risk policies, procedures, and strategies for lending features in Brazil with an accent on underwriting strategy validation and portfolio economic returns. Focus on managing credit limits, risk-based pricing, and ensuring compliance with regulatory and internal risk frameworks.

Location: Must be based in Brazil

Company

Revolut is a global financial super app providing spending, saving, investing, and lending services to over 75 million customers worldwide.

What you will do

• Develop account-level valuation and credit underwriting policies using NPV frameworks.
• Manage credit limits, risk-based pricing, and retention strategies.
• Make data-driven decisions with a focus on marginal decision-making.
• Adjust risk return requirements and manage portfolio returns based on new data.
• Support annual budget, forecast, and planning processes.
• Ensure approval and rating of first-line credit risk functions by internal and external regulators.

Requirements

• Must be based in Brazil
• Experience managing the risk cycle for retail credit products like credit cards or personal loans.
• Bachelor's degree in a quantitative field such as engineering, statistics, physics, maths, or economics.
• Solid understanding of credit policy governance frameworks.
• Ability to explain complex concepts in a clear, simple manner.
• Track record of delivering results that exceed requirements.

Nice to have

• Master's degree.
• Working knowledge of SQL, R, or Python.
• Willingness to learn new technology to help the business scale.

Culture & Benefits

• Work in a fast-growing, multicultural environment.
• Opportunity to shape financial products for a global market.
• Focus on diversity, inclusion, and employee experience.
• Access to a global team and collaborative culture.