Credit Manager (Policy)

Design credit risk policies, procedures, and strategies for retail lending features; validate underwriting strategies; manage market and product changes; develop account-level valuation and underwriting policies; monitor portfolio returns and credit KPIs; improve operational efficiency; and support risk governance.

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
• Support annual budgeting, forecasting, and planning
• Track initiatives and monitor credit KPIs
• Identify operational inefficiencies and implement small-scale change
• Ensure approval and good ratings from risk functions and regulators

Requirements

• Experience managing the risk cycle for retail credit products such as credit cards and unsecured personal loans
• Bachelor's degree in a quantitative or analytical field such as engineering, statistics, physics, maths, economics, or management
• Understanding of credit policy governance frameworks and second and third lines of defence
• Track record of delivering results that exceed requirements
• Ability to plan, meet multiple objectives, and proactively resolve issues
• Knowledge of credit and behavioural scoring models
• Ability to explain complex concepts clearly and simply
• Understanding of speed to market and business needs
• Master's degree
• Working knowledge of SQL, R, Python, and other data analysis tools
• Willingness to learn new technology

Benefits

• Financial benefits
• Flexibility to work from home, the office, or abroad
• A Revolut Metal subscription loaded with perks
• Exciting events year-round