Head of Risk; Non-Retail

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 65+ million customers get more from their money every day.

Risk 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 Head of Risk to cover first‑line, non‑retail risks. You'll implement cross‑functional elements into our risk management framework, build a team that’ll design and oversee credit risk, and define thresholds for a variety of features.

• Designing a globally scalable risk framework, establishing governance structures, and strengthening risk culture and awareness across the business
• Collaborating with Data Science and Engineering teams on the creation of origination, monitoring, provisioning, and collections risk models to optimise portfolio returns
• Building and leading a portfolio management team, initially focusing on continuous monitoring processes for receivables and payables finance
• Shaping local in‑country credit policies and procedures to maximise portfolio‑level economic returns
• Providing thought leadership on defining and evolving the risk appetite for mid‑market, corporate, and enterprise features
• Making key underwriting decisions for significant exposures and representing the first‑line team on relevant risk committees
• Maintaining a solid working relationship with the second line of defence
• Supporting department objectives and planning processes

• Expertise in managing credit risk for mid‑market products
• The ability to build and scale a team from scratch, identifying key business needs and support needs for future business growth
• A solid understanding of credit policy governance and experience working effectively with 2
  
  LoD and 3
  
  LoD
• Experience in risk and fraud identification, monitoring, control implementation, and testing
• The ability to plan strategically, manage interdependencies, and deliver exceptional results that exceed requirements
• Excellent communication skills with a clear, concise, and structured approach to explaining complex concepts
• Impressive analytical and problem‑solving skills with the ability to process complex information for optimal decision‑making
• Experience balancing thorough risk assessment with the need for timely execution and business impact

• Experience with trade finance products

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