Senior Risk Strategist

hace 5 días


Barcelona, Barcelona, España Revolut A tiempo completo

**About Revolut**

We're on a mission to deliver more from your money, and we need brilliant people like you to help us achieve it. As a Great Place to Work certified company, we've built an outstanding employee experience that's second to none. With 10,000+ people working around the world, we're looking for talented individuals who share our vision of redefining success and turning complexity into simplicity.

**The Credit Department**

Our credit department is anything but ordinary. They design, develop, and launch credit features across the globe, managing products from day one to end. It's a big job, but our people are up to the challenge. As a Credit Manager, you'll be responsible for designing credit risk policies, procedures, and strategies for Revolut's business (SME) lending products.

**What You'll Be Doing**

• Determining the credit strategy for SME lending products in EU
• Developing account-level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returns
• Optimising credit strategies (new originations, existing customer management, arrears management) to maximise portfolio risk-adjusted returns
• Improving credit decisioning capabilities, balancing them with a manual approach
• Designing, deploying, and analysing champion-challenger tests across the credit lifecycle
• Managing credit limits, risk-based pricing, retention strategies, and over-limit policies
• Supporting the annual budget, forecast, and planning processes, from assessing data to preparing a strategic plan
• Tracking, communicating, and drawing insights from performance of ongoing initiatives, staying on top of credit KPIs through intensive monitoring
• Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators
• Selecting and onboarding new data suppliers

**What You'll Need**

A proven track record of managing the risk cycle for SME credit products, like unsecured business loans, credit lines, etc.

**Salary:** £80,000 - £100,000 per year, depending on experience and qualifications

Join our team of talented professionals and contribute to shaping the future of financial services. We offer a dynamic work environment, opportunities for growth and development, and a competitive salary and benefits package.



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