Business Credit Risk Manager

il y a 3 semaines

Paris, Île-de-France Revolut Ltd Temps plein
Position:
Credit Manager (Business Lending Policy)

Location:
Remote: France

At Revolut, we are proud to have over 10,000 dedicated individuals working globally, whether from our dynamic offices or remotely, all united by our mission.

The credit division at Revolut is exceptional. We are responsible for the design, development, and launch of credit functionalities worldwide.

Our team oversees our products from inception to completion — crafting both the back-end and front-end, establishing the data science framework, and creating tailored setups in each country with scalable risk management and portfolio oversight solutions.

This is a significant responsibility, and our team members are invaluable assets.

As a Credit Manager, your primary role will involve formulating credit risk policies, procedures, and strategies for Revolut's business (SME) lending offerings.

Your responsibilities will include:
  • Developing account-level valuation frameworks to establish underwriting credit policies, utilizing NPV frameworks to enhance portfolio-level returns.
  • Making informed, data-driven decisions with a keen focus on marginal decision-making.
  • Adjusting risk-return criteria and managing portfolio returns as new data becomes available.
  • Supporting the annual budgeting and forecasting process, including trend analysis through data collection and strategic execution from concept to delivery.
  • Monitoring, communicating, and deriving insights from the performance of ongoing initiatives, while closely tracking credit KPIs through rigorous oversight.
  • Identifying operational inefficiencies and overseeing the implementation of minor changes within the Credit function.
  • Ensuring that the first-line credit risk function receives approval and favorable evaluations from second and third lines of defense, as well as regulators.

We seek candidates with a proven history of managing the risk cycle for SME credit products, such as unsecured business loans and credit lines.

A bachelor's degree from a prestigious university in a quantitative or analytical discipline, such as engineering, statistics, physics, mathematics, economics, or management, is required.

Key qualifications include:

  • A comprehensive understanding of credit policy governance frameworks to navigate the second and third lines of defense effectively.
  • A solid grasp of credit and behavioral scoring models for business lending products, particularly within the SME sector.
  • The ability to appreciate the importance of speed to market while balancing sophisticated problem-solving with business requirements.
  • Proficiency in SQL, R, Python, and/or other data analysis tools.
  • A readiness to embrace new technologies to facilitate business growth.
  • Flexibility to work from home, the office, or abroad.

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