Credit Manager (Business Lending)

About the role

The Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer‑facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward‑thinking solutions tailored to each region.

We're looking for a Credit Manager to design credit risk policies, procedures, and strategies for our SME business lending features. You’ll be managing validation of the underwriting strategy, as well as leading the charge for preventative and reactive actions to the market and product offering.

What you’ll be doing

• Determining the credit strategy for SME lending products in EU
• Developing account‑level valuation frameworks and underwriting credit policies to improve portfolio‑level economic returns
• Optimising credit strategies (new originations, existing customer management, arrears management) to maximise portfolio risk‑adjusted returns
• Improving credit decisioning capabilities, balancing them with a manual approach
• Designing, deploying, and analysing champion‑challenger tests across the credit lifecycle
• Managing credit limits, risk‑based pricing, retention strategies, and over‑limit policies
• Supporting the annual budget, forecast, and planning processes, from assessing data to preparing a strategic plan
• Tracking, communicating, and drawing insights from performance of ongoing initiatives, staying on top of credit KPIs through intensive monitoring
• 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

• Experience managing the risk cycle for SME credit products, like unsecured business loans, credit lines, etc.
• A bachelor’s degree from a top university in a quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
• A solid understanding of credit policy governance frameworks to work through second/third line of defence in a competent manner
• A track record of delivering excellent results that exceed requirements
• To be forward‑thinking to plan appropriately, meet multiple objectives, and proactively identify/resolve issues
• Knowledge of credit and behavioural scoring models for business lending products, especially in the SME segment
• 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

Nice to have

• Excellent working knowledge of SQL, R, Python, and/or other data analysis tools
• A willingness to learn new technology to help the business scale

We encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard‑working team.

Get what you need to succeed

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