Credit Manager Policy

You will design and refine credit risk policies, underwriting strategies, and account-level valuation frameworks for retail lending. You will monitor portfolio performance, manage credit limits and risk-based pricing, support planning processes, and implement improvements to credit operations and governance.

Responsibilities

• Develop account-level valuation and credit underwriting policies using NPV frameworks
• Make data-driven marginal decisions to improve portfolio economic returns
• 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 from concept through delivery
• Track, communicate, and draw insights from ongoing initiative performance and credit KPIs
• Identify operational inefficiencies and implement small-scale changes within the Credit department
• Ensure first-line credit risk receives approval and strong ratings from second line, third line, and regulators

Requirements

• Experience managing the risk cycle for retail credit products
• Bachelor's degree in a quantitative or analytical field such as engineering, statistics, physics, mathematics, economics, or management
• Understanding of credit policy governance frameworks and second- and third-line defence processes
• Track record of delivering results that exceed requirements
• Knowledge of credit and behavioural scoring models for retail credit products
• Ability to explain complex concepts clearly and simply
• 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