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 Credit Underwriting Data Analysis Npv Python R Sql

Candidate Availability

Remote · Africa · Required

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

About the Role

You will design and manage credit risk policies, procedures, and strategies for retail lending products. You will validate underwriting strategies, manage credit limits and risk-based pricing, monitor portfolio performance and credit KPIs, support planning processes, and implement operational improvements.

Requirements

Proven 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, mathematics, economics, or management
Understanding of credit policy governance frameworks and second- and third-line defence processes
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 decisions with a focus on marginal decisions
Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
Adjust risk-return requirements and portfolio returns based on new data
Support annual budgeting, forecasting, and planning processes
Track, communicate, and derive insights from ongoing initiative performance and credit KPIs
Identify operational inefficiencies and implement small-scale changes within the Credit team
Ensure first-line credit risk receives approval and favourable ratings from second line, third line, and regulators

Benefits