MORTGAGE CREDIT MANAGER (POLICY) @ Revolut

Job Information

Job Description:

As a Mortgage Credit Manager, you’ll be responsible for designing the credit risk policies, procedures, and strategies around launching Revolut’s retail lending Mortgage product in France ⏰ This is a new-ish product in our portfolio, 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

• Creating mortgage lending policies, procedures, and frameworks
• Helping to build and scale global underwriting systems
• Making data-driven decisions with special focus on marginal decision making
• Managing credit limits, risk based pricing, retention strategies, over-limit policies, etc.
• Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
• Supporting the annual budget, sales forecast, and planning processes by assessing market/industry trends through data gathering and analysis
• Tracking, communicating, and drawing insights from performance of ongoing initiatives while staying on top of all credit KPIs through intensive monitoring
• Identifying operational inefficiencies and managing the implementation of small scale change within the Credit function
• Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators

What you’ll need

• A proven track record of managing credit risk for Mortgage products and/or credit cards, unsecured personal loans, etc.
• A bachelor’s degree (preferably Masters or higher) in an quantitative/analytical field like engineering, statistics, Physics, math, economics, or management from a top university
• A solid understanding of credit policy governance framework, behavioural scoring models, and the value of speed to market
• Knowledge to work through 2nd/3rd line of defence in a competent manner
• To deliver excellent results that exceed requirements while planning appropriately to meet multiple objectives
• To be forward-thinking on inter-dependencies to proactively identify and resolve issues
• The ability to explain complex concepts in simple manner
• Critical thinking skills capable of processing a lot of information for optimal decision-making
• Excellent working knowledge of SQL, R, and Python, plus other data analysis tools and a willingness to learn new technology to help business scale

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