Credit Manager Policy

Revolut helps individuals and businesses manage multi-currency accounts, send money, exchange currencies, pay online and in person, and access savings and trading from one app. Users can hold several currencies, set budgets, control cards, and access investment features including stocks and crypto. Revolut provides banking services in select markets.

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Skills

Behavioural Scoring Credit Policy Credit Risk Credit Scoring Data Analysis Financial Forecasting Npv Portfolio Management Python R Risk Pricing Sql Underwriting

Candidate Availability

Remote · New Zealand · Required

Required and preferred rules are kept separate and reflect the wording in the original posting.

About the Role

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.

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

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

Benefits