Credit Manager

Office: Barcelona - Madrid - Paris
- Remote: France - Spain

About Revolut

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 60+ million customers get more from their money every day.

As we continue our lightning-fast growth,‌ 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work. So far, we have 10,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

The Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward-thinking solutions tailored to each region.

We're looking for a Credit Manager to oversee credit fraud within our global supply chain finance operations. Using your knowledge of regulatory risk and compliance standards, you'll come up with strategic initiatives to optimise fraud detection and mitigation that's powered by data-driven analysis, while keeping up with emerging fraud trends.

Up to shape what's next in finance? Let's get in touch.

What you'll be doing
- Ensuring product-level compliance with group fraud policies
- Continuously improving credit fraud policies and procedures, adapting them to address common supply chain finance (SCF) risks
- Scoping the necessary controls and monitoring (updating/fine-tuning) fraud risk models, proposing improvements to existing tools
- Strategically investigating and ensuring remediation of risk incidents, risk issues, and control breaches for credit product fraud
- Engaging cross-functionally where appropriate to drive the prioritisation of credit fraud-related issues
- Establishing key metrics and dashboards for proactive monitoring of early warning indicators, differentiating between various forms of receivable financing fraud
- Owning and delivering required updates on credit fraud at various forums and committees
- Ensuring no breaches of the defined credit fraud risk appetite

What you'll need
- 4+ years of experience managing credit fraud, preferably in a retail bank or fintech
- A good understanding of supply chain finance products, including invoice discounting, factoring, working capital, and B2B BNPL
- Proven success implementing fraud controls and metrics for complex business lending scenarios, with deep knowledge of credit fraud investigative processes
- Expertise developing credit fraud strategies for new markets and products, considering market and product risks, fraud patterns, risk appetite, data availability, and business impact
- Experienced designing, scoping, and calibrating fraud detection rules and model-based controls, especially in high-volume industries like SCF
- A highly analytical mindset with excellent problem-solving skills
- Curiosity and drive to identify and implement improvements to automate wherever possible
- Working knowledge of SQL and other data analysis tools, and a willingness to learn new technology

Nice to have
- A solid understanding of credit policy governance framework and the ability to work through the 2nd/3rd line of defence in a competent manner
- The ability to deliver excellent results that exceed requirements, plan appropriately to meet multiple objectives, and anticipate inter-dependencies to proactively identify and resolve issues
- A clear, concise, and structured communication style with the ability to explain complex concepts in a simple manner
- A deep-thinking mindset and ability to process a lot of information
- Experience collaborating with external vendors for device intelligence, behavioural biometrics, and B2B fraud consortium databases
- Knowledge of AI-based controls as an option to run multiple cross-comparing checks throughout portfolios of similar markets to improve learning curves

**_ We won't ask for payment or personal financial information during the hiring process._**_ If anyone does ask you for this, it’s a scam. Report it immediately._

**Benefits at Revolut**:

- No ping pong tables or bean bag chairs, just benefits you actually want

**Get what you need to succeed**:
- Financial benefits that show we value your work- Flexibility to work from home, the office or abroad- A free Revolut Metal subscription loaded with perks- Exciting events year-round so you can get to know your team
- Discover our values

We believe that any success at Revolut comes from two things: our people and