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Risk Manager (Retail Credit Risk)

Employer
Revolut
Location
Lisbon (PT)
Salary
To be defined
Closing date
Jun 9, 2023

View more

Job Function
Risk Management
Industry Sector
Fintech/Insurtech
Employment Type
Full Time
Education
Masters

Sobre a vaga

About Revolut

People deserve more from their money. More visibility, more control, more freedom. And since 2015, Revolut has been on a mission to deliver just that. With an arsenal of awesome products that span spending, saving, travel, transfers, investing, exchanging and more, our super app has helped 28+ million customers get more from their money. And we're not done yet.

As we continue our lightning-fast growth, we believe that two things are essential to continuing our success: our people and our culture. So far, we have 6000+ people working around the world, from our great offices or remotely, on our mission. And we're looking for more. We want brilliant people that love building great products, love redefining success, and love turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About The Role

Our Risk team sits at the very core of Revolut. Those special agents work across functions, products, and regions to monitor front-line performance and ensure that the business is on safe ground 🕶️

People on the Risk team are among the first in the company to get involved in new business initiatives, from app technology, through Treasury and Finance, all the way to Customer Support 💫

We’re looking for a Risk Manager who will continue to grow the retail credit portfolio of Revolut 📣 An expert in making data-driven decisions with good business intuition on risk adjusted return requirements. Someone to lead the initiative for preventive and reactive actions towards any micro and macro factors impacting portfolio credit performance and profitability 🏋🏾‍♀️

Up for the challenge? Let’s get in touch 👇

What You’ll Be Doing

  • Managing Revolut's exposure to retail credit risk
  • Working with Risk Modelling team to design, develop, and implement retail credit risk models
  • Managing risk appetite through limit calibration and monitoring
  • Maintaining key policies, procedures, and controls
  • Engaging with first line businesses to identify, monitor, and govern emerging retail credit risks, including new product risk assessments
  • Engaging with key stakeholders, committees, and regional regulators on material retail credit risk exposures and limit governance
  • Quantifying risk exposures within the organisation, taking into consideration stakeholder impact where possible
  • Protecting the company from excessive risk taking, saving on both short and long term costs to the business
  • Building trust and reputation with our external stakeholders
  • Ensuring risks are managed within risk appetite
  • Identifying emerging risks that require immediate attention or that could threaten the long term viability of the company
     

What You'll Need

  • 5+ years of credit risk experience
  • Retail Credit Risk experience (not Wholesale/Treasury)
  • Knowledge of key products, like unsecured personal loans, credit cards, and mortgages
  • Strong understanding of European Retail Credit Regulations
  • Strong knowledge of retail credit risk modelling (PD/ECL)
     

Nice to have

  • A degree in STEM/Finance with a minimum 2:1 / 3.7 GPA
  • Experience in Second line of Defence (Risk)
  • Experience with Western Europe market (Spain, Portugal, Germany, France)
     

Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We’re doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That’s why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.

Refer to our Data Privacy Statement for Candidates: https://www.revolut.com/legal/data-privacy-for-candidates for details on our data handling practices during your application.

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