CREDIT MANAGER (POLICY) @ Revolut

Job Information

Job Description:

What you’ll be doing

Developing account level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returns
Making data-driven decisions with a 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, forecast, and planning processes, from assessment of market/industry trends through data gathering and analysis, initiative selection and assessment, preparation of the plan, from concept to delivery
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 the risk cycle for retail credit products like credit cards, unsecured personal loans, etc.
A bachelor’s degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, math, economics, or management
A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner
To deliver excellent results that exceed requirements
To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
A solid understanding of credit and behavioural scoring models, especially for retail credit products
The ability to explain complex concepts in a clear, simple manner
To understand the value of speed to market and balance between elegant problem-solving and business needs of the hour

Nice to have

Benefits:
Experience Level: Junior/Associate
Work From: Remote from Region Lithuania