Credit Manager

About RevolutPeople 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 roleThe 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 doingEnsuring product-level compliance with group fraud policiesContinuously improving credit fraud policies and procedures, adapting them to address common supply chain finance (SCF) risksScoping the necessary controls and monitoring (updating/fine-tuning) fraud risk models, proposing improvements to existing toolsStrategically investigating and ensuring remediation of risk incidents, risk issues, and control breaches for credit product fraudEngaging cross-functionally where appropriate to drive the prioritisation of credit fraud-related issuesEstablishing key metrics and dashboards for proactive monitoring of early warning indicators, differentiating between various forms of receivable financing fraudOwning and delivering required updates on credit fraud at various forums and committeesEnsuring no breaches of the defined credit fraud risk appetiteWhat you'll need4+ years of experience managing credit fraud, preferably in a retail bank or fintechA good understanding of supply chain finance products, including invoice discounting, factoring, working capital, and B2B BNPLProven success implementing fraud controls and metrics for complex business lending scenarios, with deep knowledge of credit fraud investigative processesExpertise developing credit fraud strategies for new markets and products, considering market and product risks, fraud patterns, risk appetite, data availability, and business impactExperienced designing, scoping, and calibrating fraud detection rules and model-based controls, especially in high-volume industries like SCFA highly analytical mindset with excellent problem-solving skillsCuriosity and drive to identify and implement improvements to automate wherever possibleWorking knowledge of SQL and other data analysis tools, and a willingness to learn new technologyNice to haveA solid understanding of credit policy governance framework and the ability to work through the 2nd/3rd line of defence in a competent mannerThe ability to deliver excellent results that exceed requirements, plan appropriately to meet multiple objectives, and anticipate inter-dependencies to proactively identify and resolve issuesA clear, concise, and structured communication style with the ability to explain complex concepts in a simple mannerA deep-thinking mindset and ability to process a lot of informationExperience collaborating with external vendors for device intelligence, behavioural biometrics, and B2B fraud consortium databasesKnowledge of AI-based controls as an option to run multiple cross-comparing checks throughout portfolios of similar markets to improve learning curvesBuilding a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.Important notice for candidates:Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.• Only apply through official Revolut channels. We don’t use any third-party services or platforms for our recruitment.• Always double-check the emails you receive. Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.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.By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy NoticeBenefits at RevolutNo ping pong tables or bean bag chairs, just benefits you actually wantGet what you need to succeedFinancial benefits that show we value your workFlexibility to work from home, the office or abroadA free Revolut Metal subscription loaded with perksExciting events year-round so you can get to know your teamRevoluters always push through We stopped listening to excuses a long time ago - we care about results. We believe that grit, determination, skill, smartness, and courage can break through almost any wall.Deliver WOWWe love building great products, we love delighting our customers, we love turning the complexity of a chaotic world into the simplicity of a beautiful solution that truly solves customer needs.Dream TeamWe select, coach, and retain the top talent only and give them all the support to achieve greatnessNever SettleRevolut is for those who always strive for excellence, for those who want to become the best in the world at what they do, for those who would never settle for less. Revolut is for 10x people.Think DeeperLogic, reason, and common sense prevail over everything else in decision making at Revolut. We are open-minded, we listen, and we are always in search of the truth. #J-18808-Ljbffr