Revolut · 2 days ago

Credit Manager

United States

Full-time

Remote

Mid Level

$121K/yr - $184K/yr

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BankingFinancial Services

Comp. & Benefits

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Responsibilities

Developing account level valuation frameworks to develop underwriting credit policies using NPV framework to optimise portfolio-level economic returns

Making data-driven decisions with a special focus on marginal decision-making

Managing credit limits, risk-based pricing, retention strategies, over-limit policies, etc.

Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light

Supporting the annual budget, forecast, and planning processes, from assessment of market/industry trends through data gathering and analysis, initiative selection and assessment, preparation of the plan, from concept to delivery

Tracking, communicating, and drawing insights from performance of ongoing initiatives, while staying on top of all credit KPIs through intensive monitoring

Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit function

Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators

Qualification

Find out how your skills align with this job's requirements. If anything seems off, you can easily click on the tags to select or unselect skills to reflect your actual expertise.

Credit risk managementData analysisCredit policy governanceCredit scoring modelsQuantitative analysisSQLRPythonMaster's degree

Required

A proven track record of managing the risk cycle for retail credit products like credit cards, unsecured personal loans, etc.

A bachelor's degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, math, economics, or management

A solid understanding of credit policy governance frameworks to work through 2nd/3rd line of defence in a competent manner

To deliver excellent results that exceed requirements

To be forward-thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues

A solid understanding of credit and behavioural scoring models, especially for retail credit products

The ability to explain complex concepts in a clear, simple manner

To understand the value of speed to market and balance between elegant problem-solving and business needs of the hour