Credit Manager (Policy)

You will design and manage credit risk policies, procedures, and strategies for retail lending products. You will validate underwriting strategies, manage credit limits and risk-based pricing, monitor portfolio performance and credit KPIs, support planning processes, and implement operational improvements.

Responsibilities

• Develop account-level valuation and credit underwriting policies using NPV frameworks
• Make data-driven decisions with a focus on marginal decisions
• Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
• Adjust risk-return requirements and portfolio returns based on new data
• Support annual budgeting, forecasting, and planning processes
• Track, communicate, and derive insights from ongoing initiative performance and credit KPIs
• Identify operational inefficiencies and implement small-scale changes within the Credit team
• Ensure first-line credit risk receives approval and favourable ratings from second line, third line, and regulators

Requirements

• Proven experience managing the risk cycle for retail credit products, such as credit cards and unsecured personal loans
• Bachelor's degree in a quantitative or analytical field, such as engineering, statistics, physics, mathematics, economics, or management
• Understanding of credit policy governance frameworks and second- and third-line defence processes
• Knowledge of credit and behavioural scoring models for retail credit products
• Ability to explain complex concepts clearly and simply
• Ability to balance speed to market, problem-solving, and business needs

Benefits

• Financial benefits
• Flexibility to work from home, the office, or abroad
• Revolut Metal subscription
• Year-round team events