Credit Manager (Policy)

You will design credit policies and underwriting strategies for retail lending, validate underwriting approaches, manage limits and pricing, adjust risk-return requirements, monitor credit KPIs, support planning, improve operations, and maintain strong risk governance.

Responsibilities

• Develop account-level valuation and credit underwriting policies
• Use NPV frameworks to improve portfolio returns
• Make data-driven marginal decisions
• Manage credit limits risk-based pricing retention strategies and over-limit policies
• Adjust risk-return requirements as new data emerges
• Support budgeting forecasting and planning
• Monitor credit KPIs and initiative performance
• Identify inefficiencies and implement small-scale changes
• Maintain approval and ratings from risk functions and regulators

Requirements

• Experience managing the risk cycle for retail credit products
• Bachelor's degree in a quantitative or analytical field
• Understanding of credit policy governance and lines of defence
• Knowledge of credit and behavioral scoring models
• Knowledge of the German housing and mortgage market
• Ability to explain complex concepts clearly
• Ability to balance speed to market with business needs
• Master's degree is beneficial
• Working knowledge of SQL R Python or other data analysis tools is beneficial
• Willingness to learn new technology is beneficial

Benefits

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