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

Credit Policy Credit Risk Data Analysis Forecasting Mortgage Lending Portfolio Management Python Quality Assurance R Regulation Risk Management Risk Pricing Sql Underwriting

Candidate Availability

Onsite · Dublin · Required Remote · Ireland · Required

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

About the Role

You will design mortgage credit risk policies, procedures, and strategies for retail lending in Lithuania, validate underwriting strategies, manage preventative and reactive responses to market and product changes, monitor portfolio performance and credit KPIs, conduct quality assurance reviews, support planning, and mentor colleagues in credit risk management.

Requirements

Experience managing credit risk for mortgage products and/or credit cards and unsecured personal loans
Bachelor's degree in a quantitative or analytical field such as economics, management, maths, engineering, or statistics
Understanding of credit policy governance frameworks and credit risk models
Knowledge of working through second and third lines of defence
Ability to identify and resolve interdependencies and issues
Ability to explain complex concepts simply
Critical thinking and decision-making skills
Excellent working knowledge of SQL and other data analysis tools
Willingness to learn new technology
Master's degree
Proficiency in R and Python

Responsibilities

Create mortgage lending policies, procedures, and frameworks
Help build and scale global underwriting systems
Make data-driven marginal decisions
Manage credit limits, risk-based pricing, retention strategies, regulatory changes, and new feature launches
Adjust risk-return requirements and portfolio returns
Support budgeting, sales forecasting, and planning through market and industry analysis
Conduct quality assurance reviews
Provide training and mentorship in credit risk management
Contribute to product development and funnel optimisation
Track initiatives and monitor credit KPIs
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