Location: Remote (India)
About Revolut
Revolut is transforming financial services with its innovative products designed to give people more visibility, control, and freedom over their money. Since 2015, Revolut has been on a mission to redefine the way individuals and businesses manage finances. With products ranging from spending and saving to investing and travelling, we empower over 50 million customers to achieve more every day.
Revolut owes its success to two key elements: our people and our culture. Certified as a Great Place to Work™, Revolut boasts a team of over 10,000 brilliant individuals who thrive in a fast-paced, innovative environment. We are looking for more talented professionals to join us in crafting exceptional solutions and pushing the boundaries of fintech innovation.
About the Role
The Credit Analytics Manager is a pivotal role within Revolut's Credit department, which develops and launches credit products globally. This team oversees the entire product lifecycle, from back-end and front-end development to risk and portfolio management.
As a Credit Analytics Manager, you’ll provide analytics services to credit teams across the globe. You’ll partner with Heads of Credit, Policy teams, and modelling experts to develop data-driven credit strategies, launch innovative products, and maximize portfolio performance.
What You’ll Be Doing
Managing portfolios to ensure alignment with risk appetite.
Continuously optimizing credit strategies, including new originations, credit limit management, and arrears management, to maximize risk-adjusted returns.
Supporting new product launches by conducting in-market tests to identify product-market fit and target customer segments.
Leading forecasting activities and gathering external data to enhance decision-making.
Improving automated credit decision-making capabilities.
Designing, deploying, and analyzing champion-challenger strategies across the credit lifecycle.
Building and deploying analytical tools for local credit teams to improve performance and efficiency.
Ensuring compliance with credit risk governance standards, including regulatory requirements and audits.
Selecting and onboarding new data suppliers to enhance portfolio insights.
What You’ll Need
Proven experience managing credit risk in unsecured retail credit portfolios, including origination, limit management, and risk-based pricing.
Strong analytical skills with a track record of making data-driven decisions.
Hands-on experience working with large datasets using Python (Pandas).
A bachelor’s degree or higher in a quantitative field like mathematics, engineering, physics, or computer science from a top university.
Excellent problem-solving skills and the ability to simplify complex concepts for clear communication.
A solid understanding of credit policy governance frameworks and how to navigate 2nd/3rd line compliance functions.
Forward-thinking abilities to proactively identify and resolve interdependencies.
A strong focus on balancing elegant problem-solving with meeting business needs swiftly.
Knowledge of credit scoring models for retail credit products.
Nice to Have
Experience working with SQL, SAS, or other data languages.
Familiarity with global financial regulations and best practices.
How to Apply
Submit your application through the Revolut Careers page. Compensation will be discussed during the interview process and will depend on your skills, qualifications, and experience.
Join us at Revolut, where innovation, collaboration, and growth are at the heart of everything we do!
Why Join Revolut?
Competitive Benefits: Financial rewards, flexibility to work from home or the office, and a free Revolut Metal subscription loaded with perks.
Exciting Culture: Year-round events, a commitment to diversity and inclusion, and a supportive team environment.
Career Growth: Opportunities to work alongside top talent and contribute to world-class fintech solutions.
Revolut Values:
Get It Done: Prioritize results over excuses.
Deliver WOW: Create simple yet impactful solutions.
Dream Team: Be part of a team that fosters greatness.
Never Settle: Strive for excellence.
Think Deeper: Leverage logic and reason for decision-making.
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