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

Candidate Availability

Remote · Berlin · Required

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

About the Role

You will design credit policies and underwriting strategies for retail lending, validate underwriting approaches, manage limits and pricing, adjust risk-return requirements, monitor credit KPIs, support planning, improve operations, and maintain strong risk governance.

Requirements

Experience managing the risk cycle for retail credit products
Bachelor's degree in a quantitative or analytical field
Understanding of credit policy governance and lines of defence
Knowledge of credit and behavioral scoring models
Knowledge of the German housing and mortgage market
Ability to explain complex concepts clearly
Ability to balance speed to market with business needs
Master's degree is beneficial
Working knowledge of SQL R Python or other data analysis tools is beneficial
Willingness to learn new technology is beneficial

Responsibilities

Develop account-level valuation and credit underwriting policies
Use NPV frameworks to improve portfolio returns
Make data-driven marginal decisions
Manage credit limits risk-based pricing retention strategies and over-limit policies
Adjust risk-return requirements as new data emerges
Support budgeting forecasting and planning
Monitor credit KPIs and initiative performance
Identify inefficiencies and implement small-scale changes
Maintain approval and ratings from risk functions and regulators

Benefits