Credit Manager Wholesale

**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 55+ 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 department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe. The team manages our products from day one to the end — developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions. It's a big old job, but our people are a Credit to us all.

As a Credit Wholesale Manager for our Supply Chain Finance offering, you'll be responsible for designing, delivering, and managing credit risk policies, procedures, and strategies for Revolut’s Supply Chain Finance products. You'll be a key contributor to the launch of our Supply Chain Finance lending portfolio in your assigned market, and as that book grows, you'll be managing validation of the underwriting strategy, as well as leading the charge for preventative and reactive actions to the market and product offering.

Up for the challenge? Let's get in touch.

**What you'll be doing**
- Designing a scalable underwriting system with standardized data, processes, and policies for the market you own
- Collaborating with Data Science and Engineering to develop Origination, Monitoring, Provisioning, and Collections Risk Models
- Implementing continuous monitoring processes for receivables and payables, developing automated alerts for credit deterioration, and dynamically adjusting credit capacity
- Shaping underwriting credit policies to maximise portfolio-level economic returns
- Providing thought leadership on defining and evolving the risk appetite for this product
- Making key underwriting decisions for significant exposures
- Maintaining effective working relationships with the second line of defence
- Supporting departmental objectives and planning activities

**What you'll need**
- Proven expertise in managing credit risk for mid-market Supply Chain Finance products
- Excellent understanding of credit policy governance and effective collaboration with 2nd and 3rd lines of defence
- Track record in identifying and monitoring risk and fraud, and implementing and testing controls
- Proven ability to plan strategically, manage interdependencies, and deliver exceptional results
- Clear, concise, and structured communication style with the ability to explain complex concepts
- Exceptional analytical thinking and problem-solving, processing complex information for optimal decision-making
- The ability to balance thorough risk assessment with the need for timely execution and business impact

**_ 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._