Credit Manager (Policy)

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 75+ million customers get more from their money every day.

About The Role

The Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product life‑cycle, 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 are looking for a Credit Manager to design credit risk policies, procedures, and strategies for our retail lending features. You will manage the validation of the underwriting strategy and lead the charge for preventative and reactive actions to the market and product offering.

What You’ll Be Doing

• Develop account‑level valuation and credit underwriting policies using NPV frameworks to improve portfolio‑level economic returns
• Make data‑driven decisions with a special focus on marginal decision‑making
• Manage credit limits, risk‑based pricing, retention strategies, over‑limit policies, etc.
• Adjust risk return requirements and manage/adjust portfolio returns as new data comes to light
• Support the annual budget, forecast, and planning processes, from concept to delivery
• Track, communicate, and draw insights from the performance of ongoing initiatives, while staying on top of credit KPIs through intensive monitoring
• Identify operational inefficiencies and manage the implementation of small‑scale change within the Credit department
• Ensure approval and good rating of the first‑line credit risk function from second line, third line, and regulators

What You’ll Need

• Experience managing the risk cycle for retail credit products, such as credit cards and unsecured personal loans
• A bachelor’s degree from a top university in a quantitative/analytical field (engineering, statistics, physics, maths, economics, or management)
• Solid understanding of credit policy governance frameworks to work through second/third line of defence competently
• A track record of delivering excellent results that exceed requirements
• Forward‑thinking mindset to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
• Knowledge of credit and behavioural scoring models, especially for retail credit products
• Ability to explain complex concepts in a clear, simple manner
• Understanding of the value of speed to market and the balance between elegant problem‑solving and business needs
• Knowledge of the German housing and mortgage market

Nice to have

• Master’s degree
• Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
• Willingness to learn new technology to help the business scale