Lead Credit Manager (Analytics)

About Revolut

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 70+ 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 role

The Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward-thinking solutions tailored to each region.

We’re looking for a Lead Credit Manager to manage the team that oversees our product valuation models and credit strategy optimisation. You'll drive action through monitoring observed behaviour, ensuring the team meets its financial targets, and oversee the quarterly forecasting process.

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

What you'll be doing

• Leading the team that manages credit product valuation models, supporting their input and assumptions to continuously optimise performance
• Overseeing the quarterly forecasting process on credit products
• Acting as the liaison with Finance, ensuring Credit’s KPIs are set and executed upon across teams
• Determining the credit decisioning framework and aligning it with the 2nd line of defence and Finance
• Optimising credit strategies for new originations, existing customer management, and arrears management to maximise portfolio risk-adjusted returns
• Supporting the development of credit strategies to launch new products by conducting in-market tests to define market fit and target customer segments
• Designing and analysing champion-challenger tests in pricing, credit limit assignment, and other consumer lending product parameters
• Building analytical tools for local credit team use
• Ensuring approval and good rating of first-line credit risk function from second line, third line, and regulators

What you'll need

• 8+ years of experience in a similar role
• Experience in credit risk management for retail credit portfolios (personal loans, credit cards)
• Expertise in credit product valuation models
• Experience making data-driven decisions and working with large datasets using Python or SQL
• A bachelor's degree from a top university in a quantitative/analytical subject, like maths, engineering, physics, or computer science
• The ability to extract the essence from complex matters and explain it simply
• A solid understanding of credit policy governance frameworks, and the ability to work through the 2nd/3rd line of defence in a competent manner
• An understanding of the value of speed to market to balance between elegant problem solving and business needs
• Familiarity with credit scoring models for retail credit products

Compensation range

• Krakow: PLN33,000 - PLN38,900 gross monthly*
• Vilnius: €7,100 - €8,900 gross monthly*
• Poland: PLN33,000 - PLN38,900 gross monthly*
• Lithuania: €7,100 - €8,900 gross monthly*
• Other locations: Compensation will be discussed during the interview process

*Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

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.

Important notice for candidates:

Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.

• Only apply through official Revolut channels. We don’t use any third-party services or platforms for our recruitment.

• Always double-check the emails you receive. Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.

We won't ask for payment or personal financial information during the hiring process. If anyone does ask you for this, it’s a scam. Report it immediately.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice