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Retail Credit Risk Manager
senior · Risk & Compliance
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 80+ million customers get more from their money every day.
As we continue our lightning-fast growth, 2 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 13,000+ 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
Risk at Revolut operates across all functions, products, and regions to monitor front-line performance and ensure the business operates safely. They’re among the first to be involved in new initiatives, from tech to customer support.
We’re looking for a Retail Credit Risk Manager to help grow our retail credit portfolio safely and profitably. You’ll use data to shape risk-adjusted return requirements and lead preventive and reactive actions that improve credit performance.
Up to shape what’s next in finance? Let’s get in touch.
What you'll be doing
- Overseeing retail credit risk exposure across the full credit lifecycle, from acquisition through portfolio management and collections
- Monitoring portfolio performance using key KPIs and BCIs, identifying trends and emerging risks
- Partnering with the Risk Modelling team to develop, implement, and monitor retail credit risk models
- Managing risk appetite through limit calibration, monitoring, and escalation of material exposures
- Reviewing and challenging first-line policies, procedures, and controls to ensure they align with the risk framework
- Assessing credit risk for new products and initiatives, identifying potential risks before launch
- Monitoring expected credit losses and assessing their impact on portfolio performance and profitability
- Overseeing collections performance and ensuring processes remain effective and within the defined risk framework
- Engaging with senior stakeholders, risk committees, and regional regulators on material credit risks and limit governance
- Identifying emerging risks requiring immediate action and driving appropriate risk mitigation
What you'll need
- 7+ years of experience managing retail credit risk across products, such as credit cards and unsecured personal loans
- A solid understanding of credit risk governance and the 3 lines of defence model within a financial institution
- Expertise in Colombian and European credit risk regulations, methodologies, and frameworks
- Knowledge of behavioural scoring models and their application to retail credit portfolios
- Great analytical skills and a data-driven approach to risk assessment and decision-making
- Proficiency in SQL and Python for analysing portfolio and risk data
- Excellent communication and storytelling skills, with the ability to explain complex concepts simply
- Impeccable organisational skills and the ability to manage multiple priorities in a dynamic environment
- The ability to understand overall operations and collaborate effectively with Finance, Operations, Accounting, IT, and Data Science teams
- Fluency in English and Spanish
Nice to have
- An understanding of the Basel framework and its application to credit risk management
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 everyday. 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