Credit Manager – Credit Policy & Risk

About the role

The Credit team at Revolut builds and scales lending features that support global growth. As a Credit Manager you will design and maintain credit risk policies, procedures and strategies for retail lending products, ensuring the underwriting framework is robust and responsive to market changes.

Key responsibilities

• Develop account‑level valuation and credit underwriting policies using NPV frameworks to improve portfolio economics.
• Make data‑driven, marginal‑decision‑focused choices on 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 from concept to delivery.
• Track, communicate and analyse performance of initiatives while monitoring credit KPIs intensively.
• Identify operational inefficiencies and implement small‑scale changes within the Credit department.
• Ensure first‑line credit risk function receives approval and good ratings from second‑line, third‑line and regulators.

Required profile

• Proven track record managing the risk cycle for retail credit products such as credit cards or unsecured personal loans.
• Bachelor’s degree in a quantitative/analytical field (e.g., engineering, statistics, economics, maths).
• Solid understanding of credit policy governance frameworks and ability to work through second/third‑line defence.
• Knowledge of credit and behavioural scoring models for retail credit.
• Ability to explain complex concepts clearly and balance speed‑to‑market with robust problem‑solving.

Required skills

• SQL
• R
• Python