Senior Credit Manager Policy

You will design credit risk policies, procedures, and strategies for retail lending products. You will validate underwriting strategies, manage credit limits and risk-based pricing, adjust portfolio returns as new data emerges, support budgeting and forecasting, monitor credit KPIs, implement operational improvements, and maintain strong governance with risk functions and regulators.

Responsibilities

• Develop account-level valuation and credit underwriting policies using NPV frameworks
• Make data-driven marginal credit decisions
• Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
• Adjust risk-return requirements and portfolio returns as new data becomes available
• Support annual budgeting, forecasting, and planning processes
• Track initiatives, communicate performance insights, and monitor credit KPIs
• Identify operational inefficiencies and implement small-scale departmental changes
• Ensure approval and strong ratings from risk functions and regulators

Requirements

• 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 risk processes
• Track record of delivering results that exceed requirements
• Forward-thinking approach to planning and issue resolution
• Knowledge of credit and behavioural scoring models for retail credit products
• Ability to explain complex concepts clearly and simply
• Understanding of speed-to-market considerations and business needs

Benefits

• Flexibility to work from home, the office, or abroad
• Revolut Metal subscription with perks
• Exciting events throughout the year