Credit Risk Manager; Mortgages

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 75+ 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.

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 Credit Risk Manager to lead preventive and reactive actions surrounding mortgage portfolio performance and profitability. Using your expertise, you'll make data-driven decisions to turn good business intuition into risk-adjusted return requirements.

Up to shape what's next in finance? Let’s get in touch.

• Working with the Risk Modelling team to design, develop, and implement mortgage 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 mortgage credit risks, including new product risk assessments
• Engaging with key stakeholders, committees, and regional regulators on material mortgagecredit risk exposures and limit governance
• Quantifying risk exposures within the organisation, taking into consideration stakeholder impact
• Protecting the company from excessive risk-taking, saving on both short and long-term costs
• Building trust and reputation with external stakeholders
• Ensuring risks are managed within risk appetite
• Identifying emerging risks that require immediate attention or that could threaten long-term viability

• 3+ years of mortgage credit risk experience
• Knowledge of personal mortgages and collateral management
• Familiarity with European retail credit regulations and retail credit risk modelling (PD/ECL)
• Experience in the European credit market, with a focus on the Dutch market
• A solid understanding of credit policy governance framework, and the ability to work through the three lines of defence in a competent manner
• A clear, concise, and structured work style
• The ability to explain complex concepts in a simple manner
• A think-deeper mindset, with the capacity to process information towards optimal decision-making
• The ability to thrive in dynamic, international environments
• A data-driven approach to problem-solving

• Experience in second line of defence (risk) roles

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.

• Financial benefits that show we value your work
• Flexibility to work from home, the office, or abroad
• A Revolut Metal subscription loaded with perks
• Exciting events year-round so you can get to know your team