Job Description

Company	Revolut
Position	Credit Manager
Qualification	Any Graduates
Experience	Fresher/Experience
Location	Remote/India

About Role

The Credit department at Revolut is anything but ordinary.They design, develop and launch credit products across the globe. The team manages our products from day one to the end – developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions.

Revolut is looking for a Credit Manager who’ll provide analytics services to credit teams around the world. This is your chance to get your foot in the door early, and leave your mark on this team as one of their first hires in this area. Your stakeholders and crew aboard this Revolut rocketship will be the Heads of Credit, the policy team and the modelling experts, to craft the best Credit products in the fintech business.

Credit Manager Roles and Responsibility

• Managing portfolios within risk appetite.
• Optimising credit strategies on an ongoing basis (new originations, existing customer management, arrears management) to maximise portfolio risk adjusted returns.
• Supporting the development of credit strategies to launch new products by conducting in-market tests to define the right product market fit, target customer segments.
• Forecasting and external data gathering.
• Improving the automated credit decisioning capabilities.
• Designing, deploying and analysing champion-challenger strategies across the credit lifecycle.
• Building and deploying analytical tools for use by the local credit teams.
• Ensuring approval and good rating of first line credit risk function from second line, third line and regulators.
• Selecting and onboarding new data suppliers.
  

Skills Required For Credit Manager

• Proven experience in credit risk management of unsecured retail credit portfolios (credit origination, credit limit management, risk based pricing, retention strategies etc.)
• Strong experience in making data-driven decisions.
• Proven experience working with large datasets using Python(Pandas)/SQL/SAS or other data packages (good knowledge of or strong drive to learn Python (Pandas) is a necessity)
• A bachelor’s degree (or higher) in a quantitative/analytical subject like maths, engineering, physics, or computer science from a top university.
• The ability to extract the essence from complex matters and explain it simply.
• Fluency in English.
• Solid understanding of credit policy governance framework and the ability to work through the 2nd/3rd line of defence in a competent manner.
• Excellent results which exceed requirements.
• The ability to plan appropriately to meet multiple objectives.
• Forward thinking on inter-dependencies to proactively identify and resolve issues.
• Understanding of the value of speed to market and ability to balance between elegant problem solving and business need of the hour.
• Understanding of credit scoring models for retail credit products.

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 35+ million customers get more from their money.

Continuing Revolut rapid expansion relies on two critical elements: Their dedicated team and the ingrained culture. Official certification as a Great Place to Work™ acknowledges. With 7,500+ individuals contributing globally, either from revolut’s  offices or remotely, and mission is gaining momentum.The quest continues for exceptional individuals passionate about crafting outstanding products, redefining success, and transforming the intricacies of a tumultuous world into elegant solutions.

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