Risk Manager

About Revolut

People deserve more from their money. More visibility, more control, more freedom. And since 2015, Revolut has been on a mission to deliver just that. With an arsenal of awesome products that span spending, saving, travel, transfers, investing, exchanging and more, our super app has helped over 20 million customers get more from their money. And we're not done yet.

As we continue our lightning-fast growth, we believe that two things are essential to continuing our success: our people and our culture. So far, we have more than 3000 people, based in 20 offices around the world, working on our mission. And we're looking for more. We want brilliant people that love building great products, love redefining success, and love turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

• Our Risk team sits at the very core of Revolut. Those special agents work across functions, products, and regions to monitor front-line performance and ensure that the business is on safe footing People in the Risk team are among the first in the company to get involved in new business initiatives, from App Technology, through Treasury and Finance, to Customer Support
• We're looking for a Risk Manager who'll to continue to grow the retail credit portfolio of Revolut An expert of making data driven decisions with good business intuition on risk adjusted return requirements. Someone to lead the initiative for preventive and reactive actions towards any micro and macro factors impacting portfolio credit performance and profitability
• Up for the challenge? Let's get in touch

What you'll be doing

You'll be performing qualitative and quantitative analysis on credit risk trends to identify new risk patterns,

Tasks will include:

• Monitor the growth of the portfolio to ensure that we are assuming the right level of risk; proactively provide reporting and insight to the leadership team regarding performance and strategies
• Partner with 1st LoD to launch new credit products
• Influence the credit policies to ensure a low and steady default rate
• Prepare material for Credit Risk Committee including portfolio dashboards to uncover current portfolio trends
• Work on Allowance for Credit Losses methodology pursuant to CECL framework
• Developing solutions to reduce credit risk and financial losses
• Create a suite of Key Risk Indicators and Business Control Indicators to proactively manage the health of the portfolio
• Conducting risk assessments of new or changing products & features, with proposals for the appropriate controls to support a successful deployment
• Conduct sample based testing to uncover problem areas in the portfolio
• Provide an effective challenge to Credit and business team on Credit Risk policies

What you'll need

• 5+ years experience in credit risk analytics and underwriting; including managing credit portfolios
• Ability to influence the decision making process using data and logical reasoning
• Experience working with both internal and external stakeholders and the ability to closely manage expectations and deliverables in a timely manner
• Strong analytical skill set and a rigorous, data-driven approach to problem-solving
• High energy and drive to innovate and evolve products, policies and processes while effectively managing day-to-day processes
• Superior communication and relationship management skills
• Experience in risk management, financial lending or core credit risk management function
• Understanding of payments, small business lending and credit card industry
• Ability to thrive in an unstructured and fast moving organization
• Self starter who can work independently
• Ability to communicate results clearly with a focus on driving impact
• Strong technical expertise, including SQL.

Nice to have

• Python notebooks
• Experience with R or Python
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