Senior 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

Analytics Communication Credit Forecasting Governance Monitoring Npv Planning Policy Portfolio Pricing Problem Solving Python R Scoring Sql Underwriting

Candidate Availability

Remote · New Zealand · 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 products. You will validate underwriting strategies, manage credit limits and risk-based pricing, adjust portfolio returns as new data emerges, support budgeting and forecasting, monitor credit KPIs, implement operational improvements, and maintain strong governance with risk functions and regulators.

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, mathematics, economics, or management
Understanding of credit policy governance frameworks and second- and third-line risk processes
Track record of delivering results that exceed requirements
Forward-thinking approach to planning and issue resolution
Knowledge of credit and behavioural scoring models for retail credit products
Ability to explain complex concepts clearly and simply
Understanding of speed-to-market considerations and business needs

Responsibilities

Develop account-level valuation and credit underwriting policies using NPV frameworks
Make data-driven marginal credit decisions
Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
Adjust risk-return requirements and portfolio returns as new data becomes available
Support annual budgeting, forecasting, and planning processes
Track initiatives, communicate performance insights, and monitor credit KPIs
Identify operational inefficiencies and implement small-scale departmental changes
Ensure approval and strong ratings from risk functions and regulators

Benefits