About the Role
You will design credit risk policies, procedures, and strategies for retail lending. You will validate underwriting strategies, manage credit limits and risk-based pricing, monitor portfolio performance and credit KPIs, support planning processes, implement operational improvements, and maintain strong credit-risk governance.
Requirements
•Proven experience managing the risk cycle for retail credit products
•Bachelor's degree in a quantitative or analytical field
•Understanding of credit policy governance frameworks and second- and third-line defence
•Knowledge of credit and behavioural scoring models for retail credit products
•Ability to explain complex concepts clearly
•Ability to balance speed to market, problem-solving, and business needs
Responsibilities
•Develop account-level valuation and credit underwriting policies using NPV frameworks
•Make data-driven marginal decisions
•Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
•Adjust risk-return requirements and portfolio returns as new data emerges
•Support annual budgeting, forecasting, and planning processes
•Track, communicate, and draw insights from initiative performance and credit KPIs
•Identify operational inefficiencies and implement small-scale changes
•Ensure approval and strong ratings of the first-line credit-risk function from oversight functions and regulators
Benefits
•Financial benefits
•Flexibility to work from home, the office, or abroad
•Revolut Metal subscription
•Year-round team events
