Credit Analyst (Acquiring Portfolio)

About Revolut

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 50+ million customers get more from their money every day.

As we continue our lightning-fast growth,‌ 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work™. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

The Acquiring department at Revolut is anything but ordinary. They design, develop, and launch acquiring 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 set-up for each industry with scalable risk management and portfolio management solutions.

We're looking for an Acquiring Portfolio Analyst to oversee a portfolio of merchants. You'll be reviewing a variety of alerts and cases to promptly identify credit risks. In collaboration with Data Analysts, you'll connect the dots to uncover patterns and mitigate risk using our established framework of acquiring risk controls.

Up for the challenge? Let's get in touch.

What you’ll be doing

• Creating portfolio assessments to help measure risks and vulnerabilities of our acquiring portfolio
• Analysing data to uncover the wider picture of potential credit risks
• Monitoring market risk and risk limits for potential threats or irregular activities, translating these into credit risk indicators
• Monitoring and anticipating external risks and factors that might affect merchant operations
• Reviewing acquiring alerts to promptly identify these risks
• Raising identified credit events cases with other members of the Acquiring team
• Participating in the scoping of new acquiring credit controls and internal portfolio risk management policies
• Collaborating with local product teams to find and stop industry-specific fraud
• Assessing new regulatory policies and the impact on acquiring market risk exposures

What you'll need

• 1–2 years of experience as a portfolio analyst or credit risk analyst (preferably connected to acquiring)
• Deep knowledge of acquiring credit-related investigative processes
• Demonstrable success in contributing to the scoping of risk controls
• A highly analytical mindset with excellent problem-solving skills
• Curiosity and drive to identify and implement improvements to automate wherever possible

Nice to have

• A solid understanding of acquiring products
• Experience communicating with customers on sensitive subjects, like fraud claims
• A clear, concise, and structured communication style with the ability to explain complex concepts in simple way
• Knowledge on how to run SQL queries and formulate problem statements that can be answered with data

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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