Location: Remote (India)
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About Revolut
At Revolut, we believe in empowering people to get more from their money. Since our launch in 2015, we've been on a mission to transform the way people manage their finances. Our diverse range of products—including spending, saving, investing, exchanging, and travelling—helps over 50 million customers achieve financial freedom and visibility every day.
As a Great Place to Work™, Revolut is driven by our people and our culture. With over 10,000 employees working worldwide, we continue to push boundaries and redefine fintech innovation. We’re now seeking brilliant, forward-thinking individuals to join us and make a lasting impact.
About the Role
The Credit Analytics Manager (Personal Lending) plays a critical role in our Credit department, which is dedicated to designing and launching credit products worldwide. The team oversees every aspect of these products, from building the infrastructure to managing risk and portfolio performance.
As part of this dynamic team, you’ll partner with Heads of Credit, policy makers, and modelling experts to develop innovative credit strategies, refine personal lending products, and maximize portfolio outcomes.
What You’ll Be Doing
Managing retail credit portfolios (personal loans and refinancing) to ensure alignment with risk appetite.
Optimizing credit strategies, including originations, limit management, and retention plans, to maximize risk-adjusted returns.
Supporting the launch of new personal lending products through in-market tests and customer segment analysis.
Gathering external data and conducting forecasts to improve credit decision-making.
Enhancing automated credit decisioning capabilities for efficiency and accuracy.
Designing, deploying, and analyzing champion-challenger strategies across the credit lifecycle.
Developing analytical tools to support local credit teams.
Ensuring compliance with credit risk governance frameworks, including internal and regulatory standards.
Selecting and onboarding new data suppliers to enhance portfolio insights.
What You’ll Need
3+ years of experience in credit risk management for retail credit portfolios, including personal loans and refinancing.
Proven success in developing and optimizing strategies for credit origination, limit management, and risk-based pricing.
Strong ability to analyze large datasets using Python (Pandas), SQL, or SAS.
A bachelor’s degree (or higher) in a quantitative/analytical field such as mathematics, engineering, physics, or computer science from a top-tier university.
Expertise in developing and implementing credit policy governance frameworks.
Excellent problem-solving and communication skills, with the ability to simplify complex concepts.
A forward-thinking mindset to anticipate and address interdependencies.
A strong understanding of credit scoring models for retail credit products.
Nice to Have
Advanced proficiency in Python, SQL, or SAS.
A deep understanding of the fintech landscape and global financial regulations.
How to Apply
If you’re ready to join a cutting-edge fintech organization and redefine personal lending, apply now through the Revolut Careers page.
Revolut is committed to creating a diverse and inclusive workplace. We encourage applicants from all backgrounds and experiences to apply.
Let’s build the future of finance together!
Why Join Revolut?
Comprehensive Benefits: Enjoy financial perks, flexible work options, and a free Revolut Metal subscription loaded with benefits.
Inclusive Culture: Work in a multicultural, collaborative environment with year-round team events.
Exciting Career Growth: Be part of a fast-growing team dedicated to innovation and excellence.
Revolut Values:
Get It Done: We care about results and push through obstacles.
Deliver WOW: Create impactful solutions that delight customers.
Dream Team: Collaborate with top talent to achieve greatness.
Never Settle: Strive for excellence and continuous improvement.
Think Deeper: Use logic and reason to make data-driven decisions.
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