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 80+ 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 13,000+ 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 roleRisk at Revolut operates across all functions, products, and regions to monitor front-line performance and ensure the business operates safely. They’re among the first to be involved in new initiatives, from tech to customer support.We’re looking for a Retail Credit Risk Manager to help grow our retail credit portfolio safely and profitably. You’ll use data to shape risk-adjusted return requirements and lead preventive and reactive actions that improve credit performance.Up to shape what’s next in finance? Let’s get in touch.What you'll be doingOverseeing retail credit risk exposure across the full credit lifecycle, from acquisition through portfolio management and collectionsMonitoring portfolio performance using key KPIs and BCIs,



identifying trends and emerging risksPartnering with the Risk Modelling team to develop, implement, and monitor retail credit risk modelsManaging risk appetite through limit calibration, monitoring, and escalation of material exposuresReviewing and challenging first-line policies, procedures, and controls to ensure they align with the risk frameworkAssessing credit risk for new products and initiatives, identifying potential risks before launchMonitoring expected credit losses and assessing their impact on portfolio performance and profitabilityOverseeing collections performance and ensuring processes remain effective and within the defined risk frameworkEngaging with senior stakeholders, risk committees, and regional regulators on material credit risks and limit governanceIdentifying emerging risks requiring immediate action and driving appropriate risk mitigationWhat you'll need7+ years of experience managing retail credit risk across products, such as credit cards and unsecured personal loansA solid understanding of credit risk governance and the 3 lines of defence model within a financial institutionExpertise in Colombian and European credit risk regulations, methodologies,



and frameworksKnowledge of behavioural scoring models and their application to retail credit portfoliosGreat analytical skills and a data-driven approach to risk assessment and decision-makingProficiency in SQL and Python for analysing portfolio and risk dataExcellent communication and storytelling skills, with the ability to explain complex concepts simplyImpeccable organisational skills and the ability to manage multiple priorities in a dynamic environmentThe ability to understand overall operations and collaborate effectively with Finance, Operations, Accounting, IT, and Data Science teamsFluency in English and SpanishNice to haveAn understanding of the Basel framework and its application to credit risk managementBuilding a general 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.Get what you need to succeedFinancial benefits that show we value your workFlexibility to work from home, the office, or abroadA Revolut Metal subscription loaded with perksExciting events year-round so you can get to know your team#J-18808-Ljbffr

📌 Retail Credit Risk Manager (Huila)
🏢 Revolut
📍 Huila