Credit Analytics Manager (SME Lending)

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 credit department at Revolut is anything but ordinary. They design, develop, and launch credit features 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.

We’re looking for a Credit Manager who’ll provide analytics services to credit teams around the world. This is your chance to get your foot in the door early, and leave your mark on this team as one of our first hires in this area. You'll collaborate with the Heads of Credit, the Policy team, and our modelling experts to develop top-notch credit features in the market.

Up to shape the future of finance? Let‘s get in touch.

What you’ll be doing

• Managing portfolios within risk appetite
• Optimising credit strategies (new originations, existing customers management, arrears management) to maximise portfolio risk-adjusted returns
• Supporting the development of credit strategies to launch new products by conducting in-market tests to define market fit and target customer segments
• Forecasting and external data gathering
• Improving automated credit decisioning capabilities
• Designing, deploying, and analysing champion-challenger strategies across the credit lifecycle
• Building and deploying analytical tools for use by local credit teams
• Ensuring approval and good rating of first-line credit risk function from second line, third line, and regulators
• Selecting and onboarding new data suppliers

What you'll need

• Proven experience in credit risk management in SME lending space, including origination, limit management, risk-based pricing, retention strategies, etc.
• Solid experience making data-driven decisions
• Proven experience working with large datasets using Python (Pandas), SQL, SAS, etc.
• A bachelor's degree (or higher) in a quantitative/analytical subject like maths, engineering, physics, or computer science from a top university
• The ability to extract the essence from complex matters and explain it simply
• A solid understanding of credit policy governance framework to work through the second/third line of defence in a competent manner
• To strive for excellent results which exceed requirements
• To be forward-thinking on inter-dependencies to proactively identify and resolve issues
• An understanding of the value of speed to market to balance between elegant problem solving and business needs
• Expertise in credit scoring models for retail credit products

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.

Important notice for candidates:

Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.

• Only apply through official Revolut channels. We don’t use any third-party services or platforms for our recruitment.

• Always double-check the emails you receive. Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.

We won't ask for payment or personal financial information during the hiring process. If anyone does ask you for this, it’s a scam. Report it immediately.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice