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 Npv Portfolio Management Python R Retail Lending Risk Governance Risk Pricing Sql Underwriting

Candidate Availability

Remote · Brazil · Required Onsite · São Paulo · Required

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

About the Role

You will design credit risk policies, procedures, and strategies for retail lending features, validate underwriting strategies, manage responses to market and product changes, develop account-level valuation and underwriting policies, monitor portfolio returns and credit KPIs, improve operational efficiency, and support risk governance.

Requirements

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, maths, economics, or management
Understanding of credit policy governance frameworks and second and third lines of defence
Track record of delivering results that exceed requirements
Ability to plan, meet multiple objectives, and proactively resolve issues
Knowledge of credit and behavioural scoring models
Ability to explain complex concepts clearly and simply
Understanding of speed to market and business needs
Master's degree
Working knowledge of SQL, R, Python, and other data analysis tools
Willingness to learn new technology

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
Support annual budgeting, forecasting, and planning
Track initiatives and monitor credit KPIs
Identify operational inefficiencies and implement small-scale change
Ensure approval and good ratings from risk functions and regulators

Benefits

Financial benefits
Flexibility to work from home, the office, or abroad
A Revolut Metal subscription loaded with perks
Exciting events year-round