Mortgage Credit Risk Manager

hace 2 días

Barcelona, Barcelona, España Revolut Ltd A tiempo completo
About Revolut

Revolut is a financial technology company that aims to provide a better way for people to manage their money. With a mission to deliver more visibility, control, and freedom to its customers, Revolut has been growing rapidly since 2015.

Our products, including spending, saving, investing, exchanging, and travelling, help our 45+ million customers get more from their money every day. As we continue to expand, our people and culture are essential to our success.

Our Risk Team

The Risk team sits at the core of Revolut, working across functions, products, and regions to monitor performance and ensure the business is on safe ground. We're looking for a Mortgage Credit Risk Manager to join our team.

About the Role

We're seeking an expert in making data-driven decisions with good business intuition on risk-adjusted return requirements. The successful candidate will lead the initiative for preventive and reactive actions towards any factors impacting portfolio credit performance and profitability.

Key Responsibilities
  • Managing Revolut's exposure to mortgage credit risk
  • Working with the Risk Modelling team to design, develop, and implement mortgage models
  • Managing risk appetite through limit calibration and monitoring
  • Maintaining key policies, procedures, and controls
  • Engaging with first-line businesses to identify, monitor, and govern emerging mortgage credit risks
  • Engaging with key stakeholders, committees, and regional regulators on material mortgage credit risk exposures and limit governance
  • Quantifying risk exposures within the organisation, considering stakeholder impact where possible
  • Protecting the company from excessive risk-taking, saving on both short and long-term costs to the business
Requirements
  • 3+ years of mortgage credit risk experience (not including wholesale/treasury experience)
  • Knowledge of personal mortgages and collateral management
  • A solid understanding of European Retail Credit Regulations and retail credit risk modelling (PD/ECL)
What We Offer

We offer a competitive compensation package, flexible working arrangements, and a free Revolut Metal subscription with perks. If you're passionate about risk management and want to join a dynamic team, apply now.

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