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 50+ 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 WorkTM. 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 roleOur Financial Risk team sits at the very core of Revolut. Those special agents work across functions, products, and regions to monitor front-line performance and ensure that the business is on safe footing. People in the Risk team are among the first in the company to get involved in new business initiatives, from app technology, through treasury and finance, to customer support.We’re looking for a Business Credit Risk Manager who’ll continue to help grow and monitor the wholesale credit portfolio of Revolut. An expert at making data-driven decisions with good business intuition on risk-adjusted return requirements. Someone to support the initiative for preventive and reactive actions towards any micro and macro factors impacting portfolio credit performance and profitability.What you’ll be doingConducting in-depth credit assessments for larger merchants, retail companies, and SMEs across various industriesAnalyzing balance sheets, profit and loss statements, and financial health of businesses, adapting assessment methods based on industry-specific nuancesReviewing credit risk exposure for merchants acquiring transactions and ensuring risks are well-understood and mitigatedProviding expert insights into business risk perspectives across industries, guiding the Risk team on best practicesEvaluating sector-specific financial metrics and understanding how different industries structure their financialsDeveloping and enhancing risk models, frameworks, and policies to assess and monitor credit risk effectivelyCollaborating closely with Finance and Product teams to align risk appetite with business growth strategiesStaying up to date with industry trends, risk developments, and regulatory changes affecting credit risk assessmentsWhat you'll need3+ years experience in credit risk management of business banking, SME or corporate counterparties, ideally in the context of merchant acquisitionA bachelor's degree in a quantitative/analytical field, like engineering, statistics, physics, maths, economics, or management, from a top universityExperience in credit portfolio management, including credit limit management, excess management, etc.Experience liaising with first-line business functions regarding specific counterparty underwriting, credit strategy, risk-based pricing, retention, etc.Knowledge of how to balance business requirements with adherence to risk appetite and credit policiesA solid understanding of credit and behavioural scoring models, especially for SME credit featuresExpertise in making data-driven decisions, with a particular focus on marginal decision-makingProven, excellent results from previous projectsThe ability to plan appropriately to meet multiple objectives, demonstrate forward thinking, identify inter-dependencies, and proactively resolve issuesA clear, concise, and structured mindset to explain complex concepts in a straightforward wayNice to haveProficiency with SQL or Python, and other data analysis toolsExperience contributing to internal policies relevant to business credit riskKnowledge of regulatory requirements in business credit risk for financial institutionsCompensation rangeOther locations: Compensation will be discussed during the interview processFinal compensation will be determined based on the candidate's qualifications, skills, and previous experienceBuilding 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 every day. 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.#J-18808-Ljbffr