Credit Manager Policy
Revolut · London, United Kingdom · remote
You will design and refine credit risk policies, procedures, and strategies for retail lending. You will validate underwriting strategies, manage credit limits and risk-based pricing, monitor portfolio performance, support planning, and implement operational improvements.
Responsibilities- Develop account-level valuation and credit underwriting policies using NPV frameworks
- Make data-driven marginal decisions
- Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
- Adjust risk-return requirements and portfolio returns as new data emerges
- Support annual budgeting, forecasting, and planning processes
- Track initiatives and monitor credit KPIs
- Identify operational inefficiencies and implement small-scale changes
- Ensure first-line credit risk function approval and ratings from oversight functions and regulators
Requirements- Experience managing the risk cycle for retail credit products
- Bachelor's degree in a quantitative or analytical field
- Understanding of credit policy governance frameworks
- Knowledge of credit and behavioural scoring models for retail credit products
- Ability to explain complex concepts clearly
- Ability to balance speed to market, problem-solving, and business needs
Benefits- Financial benefits
- Flexibility to work from home, the office, or abroad
- Revolut Metal subscription
- Year-round team events