Head of Lending



Porto, Portugal · Portugal
Posted on Wednesday, June 26, 2024

About Revolut

People deserve more from their money. More visibility, more control, more freedom. And since 2015, Revolut has been on a mission to deliver just that. With an arsenal of awesome products that span spending, saving, travel, transfers, investing, exchanging and more, we've helped 45+ million customers get more from their money. And we're not done yet.

As we continue our lightning-fast growth,‌ two things are essential to continuing our success: our people and our culture. We've been officially certified as a Great Place to Work™ in recognition of our outstanding employee experience! So far, we have 10,000+ people working around the world, from our great offices or remotely, on our mission. And we're looking for more. We want brilliant people that love building great products, love redefining success, and love turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

The credit department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe. The team manages our products from day one to the end — developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions. It's a big job, but our people are a credit to us all ✨

We need a Head of Lending who'll be the go-to person on all things credit. You'll drive product development, improve funnel conversion, lower cost of acquisition, and maintain the best quality on all aspects of the product and customer journey.

You’ll ensure we deliver the highest quality product features, support, and service levels. We need a Leader with capital ‘L’ to own product building and retail credit products, as well as an awesome boss to collaborate occasionally with technical Product Owners and the Engineering team.

We're not asking much, right? 😉

What you’ll be doing

  • Leading the lending team to define and implement the strategy for all Revolut lending activities in Portugal
  • Managing the overall risk of the Revolut Portugal loan portfolio
  • Driving business performance and sustainable growth
  • Managing regulatory relationships with regulators and local authorities
  • Establishing and executing the territory’s underwriting, portfolio management, and collections policy and activities

What you'll need

  • Fluency in English and Portuguese with excellent communication skills
  • 7+ years of experience as a Bank Executive (ExCo is a real advantage)
  • Deep knowledge and experience in Portugal's retail lending products
  • Steady entrepreneurial drive and personal resilience
  • Extensive experience building and managing credit decisioning/risk models and regulatory engagement
  • An understanding of credit portfolio performance
  • The ability to recruit and lead a team
  • The ability to think and reason logically

Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.

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