Retail Credit Risk Manager

About the role

Revolut is seeking a Retail Credit Risk Manager to grow its retail credit portfolio safely and profitably. You will use data‑driven insights to shape risk‑adjusted return requirements and lead actions that improve credit performance across the full credit lifecycle.

Key responsibilities

• Oversee retail credit risk exposure from acquisition through portfolio management and collections.
• Monitor portfolio performance using KPIs and BCIs, identify trends and emerging risks.
• Partner with the Risk Modelling team to develop, implement and monitor credit risk models.
• Manage risk appetite through limit calibration, monitoring and escalation of material exposures.
• Engage senior stakeholders, risk committees and regional regulators on material credit risks and limit governance.

Required profile

• 7+ years managing retail credit risk for products such as credit cards and unsecured personal loans.
• Strong understanding of credit risk governance, the three‑lines‑of‑defence model and Colombian/European regulations.
• Excellent analytical, communication and organisational skills, with fluency in English and Spanish.

Required skills

• Proficiency in SQL for portfolio analysis.
• Proficiency in Python for risk data analysis.