Credit Manager (Business 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 80+ 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 15,000+ 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 team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward-thinking solutions tailored to each region.

We're looking for a Credit Manager to design credit risk policies, procedures, and credit-product strategies.

Sitting at the intersection of credit risk and product development, you'll be managing validation of the underwriting strategy, shaping the end-to-end customer credit journey, as well as leading the charge for preventative and reactive actions to the market and product offering.

Up to shape what's next in finance? Let's get in touch.

What You'll Be Doing

• Determining the credit strategy for revenue-based financing products
• Developing account-level valuation and credit underwriting policies using NPV frameworks to improve portfolio-level economic returns
• Optimising credit strategies (new originations, existing customer management, arrears management) to maximise portfolio risk-adjusted returns
• Improving credit decisioning capabilities, balancing them with a manual approach
• Designing, deploying, and analysing champion-challenger tests across the credit lifecycle
• Overseeing the full credit product lifecycle, from scoping to overseeing performance once live
• Managing credit limits, risk-based pricing, retention strategies, and over-limit policies
• Supporting the annual budget, forecast, and planning processes, from assessing data to preparing a strategic plan
• Tracking, communicating, and drawing insights from performance of ongoing initiatives, staying on top of credit KPIs through intensive monitoring
• 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

• Experience managing the risk cycle for revenue-based financing products
• A bachelor's degree from a top university in a quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
• A solid understanding of credit policy governance frameworks to work through the second/third line of defence in a competent manner
• A track record of delivering excellent results that exceed requirements
• A forward-thinking mindset to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
• Knowledge of credit and behavioural scoring models for business lending 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

Nice to have

• 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 the business scale

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