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

Budgeting Credit Forecasting Governance Kpi Monitoring Npv Planning Policy Pricing Python R Retention Risk Scoring Sql Underwriting Valuation

Candidate Availability

Remote · Brazil · 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 lending features in Brazil. You will validate underwriting strategies, lead preventative and reactive responses to market and product changes, develop account-level valuation and credit underwriting policies using NPV frameworks, manage credit limits and risk-based pricing, adjust portfolio returns as new data becomes available, support budgeting and forecasting, monitor credit KPIs, identify operational inefficiencies, implement small-scale changes, and ensure strong approval and ratings for the first-line credit risk function from second-line, third-line, and regulatory stakeholders.

Requirements

Experience managing the risk cycle for retail credit products such as credit cards and unsecured personal loans
Bachelor's degree from a top university in an analytical or quantitative field such as engineering, statistics, physics, mathematics, economics, or management
Understanding of credit policy governance frameworks and second- and third-line defence processes
Track record of delivering results that exceed requirements
Ability to plan appropriately, meet multiple objectives, and proactively identify and resolve issues
Knowledge of credit and behavioural scoring models, especially for retail credit products
Ability to explain complex concepts clearly and simply
Understanding of the value of speed to market and the balance between elegant problem-solving and business needs
Master's degree
Working knowledge of SQL, R, Python, or other data analysis tools
Willingness to learn new technology

Responsibilities

Develop account-level valuation and credit underwriting policies using NPV frameworks
Make data-driven decisions with a focus on marginal decision-making
Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
Adjust risk-return requirements and manage portfolio returns as new data becomes available
Support annual budgeting, forecasting, and planning processes
Track and communicate the performance of ongoing initiatives
Draw insights from initiative performance
Monitor credit KPIs
Identify operational inefficiencies
Manage small-scale changes within the Credit team
Ensure approval and good ratings for the first-line credit risk function from second-line, third-line, and regulatory stakeholders

Benefits

Financial benefits
Flexibility to work from home, the office, or abroad
Revolut Metal subscription with perks
Events throughout the year