Credit Policy Manager (Mortgages)

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 Mortgage Portfolio Management Python Quality Assurance R Regulatory Compliance Risk Governance Risk Model Risk Pricing Sql Underwriting

Candidate Availability

Remote · Dublin · Required

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

About the Role

You will design and scale mortgage credit risk policies, procedures, and underwriting frameworks for Ireland. You will use data to manage risk, pricing, credit limits, portfolio returns, and performance initiatives. You will conduct quality reviews, support planning and product optimisation, train colleagues, and maintain compliance with regulatory and risk-control requirements.

Requirements

Proven track record managing credit risk for mortgages, credit cards, or unsecured personal loans
Bachelor's degree in a quantitative or analytical field
Understanding of credit policy governance frameworks and credit risk models
Ability to work effectively with second- and third-line defence functions
Ability to identify and resolve issues proactively
Ability to explain complex concepts simply
Critical thinking and decision-making skills
Working knowledge of SQL and data analysis tools

Responsibilities

Build and scale underwriting policies and frameworks that balance risk, operational efficiency, and customer experience
Make data-driven marginal credit decisions
Manage credit limits, risk-based pricing, retention strategies, regulatory changes, and feature launches
Adjust risk-return requirements and portfolio returns based on new data
Assess market and industry trends to support budgeting, sales forecasting, and planning
Conduct quality assurance reviews for accurate, consistent, and compliant decisions
Provide training and mentorship on credit risk management
Contribute to product development and funnel optimisation initiatives
Track initiative performance and monitor credit KPIs
Ensure approval and strong ratings of the first-line credit risk function from control functions and regulators

Benefits