Credit Manager (Analytics)

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, our super app has helped 18+ million customers get more from their money. And we're not done yet.

As we continue our lightning-fast growth, we believe that two things are essential to continuing our success: our people and our culture. So far, we have 3000+ 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 old job, but our people are a Credit to us all ✨

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 🥇 Your stakeholders and crew aboard this Revolut rocketship will be the Heads of Credit, the policy team and the modelling experts, to craft the best Credit products in the fintech business 🚀

What you’ll be doing

• Managing portfolios within risk appetite
• Optimising credit strategies on an ongoing basis (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 the right product market fit, target customer segments
• Forecasting and external data gathering
• Improve the automated credit decisioning capabilities
• Designing, deploying and analysing champion-challenger strategies across the credit lifecycle
• Building and deploying analytical tools for use by the 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 of unsecured retail credit portfolios. This includes but is not limited to credit origination, credit limit management, risk based pricing, retention strategies etc.
• Strong experience in making data driven decisions
• Proven experience of working with large datasets using Python(Pandas)/SQL/SAS or other data packages. Good knowledge of or strong drive to learn Python (Pandas) is a necessity
• A bachelor's degree (or higher) in a quantitative/analytical subject like maths, engineering, physics, computer science from a top university
• Ability to extract the essence from complex matters and explain it in plain English
• Solid understanding of credit policy governance framework and ability to work through the 2nd/3rd line of defence in a competent manner
• Excellent results which exceed requirements, plan appropriately to meet multiple objectives
• Forward thinking on inter-dependencies to proactively identify and resolve issues
• Understanding of the value of speed to market and ability to balance between elegant problem solving and business need of the hour
• Understanding of credit scoring models for retail credit products

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