Head of Credit Policy

hace 1 día


Xico, México Revolut Ltd A tiempo completo
About Revolut

Revolut is a financial technology company that aims to deliver more from your money. With a range of innovative products, we've helped over 45 million customers worldwide achieve financial freedom. Our mission is to redefine the complexity of the financial world into a simple, beautiful solution.

The Credit Department

The credit department at Revolut is a dynamic team that designs, develops, and launches credit products globally. They manage our products from inception to maturity, developing back-end and front-end infrastructure, data science capabilities, and local setups in each country with scalable risk management and portfolio management solutions.

About the Role

We're seeking a Credit Manager to join our team in Mexico. As a key member of our credit department, you'll be responsible for designing credit risk policies, procedures, and strategies for Revolut's retail lending products. This is a new feature in our portfolio, and as it grows, you'll manage the validation of the underwriting strategy, lead preventative and reactive actions to the market and product offering, and ensure approval and good rating of first-line credit risk functions from second-line, third-line, and regulators.

Key Responsibilities
  • Develop account-level valuation frameworks to create credit underwriting policies using NPV frameworks to optimize portfolio-level economic returns.
  • Make data-driven decisions with a focus on marginal decision-making.
  • Adjust risk-return requirements and manage/adjust portfolio returns as new data becomes available.
  • Support the annual budget, forecast, and planning processes, from assessing market/industry trends through data gathering and analysis, initiative selection and assessment, preparation of the plan, and delivery.
  • Track, communicate, and draw insights from performance of ongoing initiatives, while staying on top of all credit KPIs through intensive monitoring.
  • Identify operational inefficiencies and manage the implementation of small-scale change within the Credit function.
Requirements

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



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