Credit Manager(Policy) Job at Revolut

Revolut is hiring for the role of Credit Manager (Policy)!

Responsibilities of the Candidate:

• Developing account-level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returns
• Making data-driven decisions with a special focus on marginal decision-making
• Managing credit limits, risk-based pricing, retention strategies, over-limit policies, etc.
• Adjusting risk-return requirements and managing/adjusting portfolio returns as new data comes to light
• Supporting the annual budget, forecast, and planning processes, from assessment of market/industry trends through data gathering and analysis, initiative selection and assessment, preparation of the plan, from concept to delivery
• Tracking, communicating, and drawing insights from the performance of ongoing initiatives, while staying on top of all credit KPIs through intensive monitoring
• Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit function
• Ensuring approval and good rating of first-line credit risk function from the second-line, third-line, and regulators

Requirements:

• A proven track record of managing the risk cycle for retail credit products like credit cards, unsecured personal loans, etc.
• A bachelor's degree from a top university in a quantitative/analytical field, such as engineering, statistics, physics, math, economics, or management
• A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defense in a competent manner
• To deliver excellent results that exceed requirements
• To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
• A solid understanding of credit and behavioral scoring models, especially for retail credit products
• The ability to explain complex concepts in a clear, simple manner
• To understand the value of speed to market and balance between elegant problem-solving and business needs of the hour
• A master's degree
• Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
• A willingness to learn new technology to help business scale