Credit Manager Policy

You will design and manage credit risk policies, underwriting strategies, credit limits, risk-based pricing, and portfolio returns for retail lending products. You will monitor credit KPIs, support planning and forecasting, implement operational improvements, and ensure appropriate risk-function approvals.

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 becomes available
• Support annual budgeting, forecasting, and planning processes
• Track and communicate initiative performance and monitor credit KPIs
• Identify operational inefficiencies and implement small-scale changes
• Ensure approval and good ratings of the first-line credit risk function from internal control lines 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