Credit Analytics Manager

Remote: India

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 60+ 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 10,000+ 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 department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe.

The team manages our products from day one to the end - developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions. It's a big old job, but our people are a Credit to us all.

We're looking for a Credit Manager who'll provide analytics services to credit teams around the world. This is your chance to get your foot in the door early, and leave your mark on this team as one of our first hires in this area.

Your stakeholders and crew aboard this Revolut rocket ship will be the Heads of Credit, the policy team, and the modelling experts to craft the best Credit products in the fintech business.

Excited? So are we Apply now

What you'll be doing

• Managing portfolios within risk appetite
• Optimising credit strategies on an ongoing basis (new originations, existing customers management, 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 the right product market fit and target customer segments
• Forecasting and external data gathering
• Improving the automated credit decisioning capabilities
• Designing, deploying, and analysing champion-challenger strategies across the credit lifecycle
• Building and deploying analytical tools for use by the local credit teams
• Ensuring approval and good rating of first line credit risk function from second line, third line, and regulators
• Selecting and onboarding new data suppliers

What you'll need

• 3+ years in a similar role
• Proven experience in credit risk management of retail credit portfolios (personal loans, refinancing), including credit origination, credit limit management, risk based pricing, retention strategies, etc.
• Excellent experience in making data-driven decisions
• Proven experience working with large datasets using Python (Pandas), SQL, SAS or other data packages
• Good knowledge of Python (Pandas) or a strong drive to learn
• A bachelor's degree (or higher) in a quantitative/analytical subject like maths, engineering, physics, or computer science from a top university
• The ability to extract the essence from complex matters and explain it simply
• A solid understanding of credit policy governance framework and ability to work through the 2nd/3rd line of defence in a competent manner
• To strive for excellent results which exceed requirements
• Forward thinking on inter-dependencies to proactively identify and resolve issues
• An understanding of the value of speed to market and ability to balance between elegant problem solving and business need
• An understanding of credit scoring models for retail credit products

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 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

No ping pong tables or bean bag chairs, just benefits you actually want

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

Discover our values

We believe that any success at Revolut comes from two things: our people and our culture. Our culture is our DNA, it defines who we are, how we operate, and how we handle disagreements with each other. We operate, hire, develop, and promote brilliant people based on the values below.

Culture

Get It Done

Revoluters always push through
We stopped listening to excuses a long time ago - we care about results. We believe that grit, determination, skill, smartness, and courage can break through almost any wall.

Deliver WOW

We love building great products, we love delighting our customers, we love turning the complexity of a chaotic world into the simplicity of a beautiful solution that truly solves customer needs.

Dream Team

We select, coach, and retain the top talent only and give them all the support to achieve greatness

Never Settle

Revolut is for those who always strive for excellence, for those who want to become the best in the world at what they do, for those who would never settle for less. Revolut is for 10x people.

Think Deeper

Logic, reason, and common sense prevail over everything else in decision making at Revolut. We are open-minded, we listen, and we are always in search of the truth.