Lead Credit Manager (Policy)

Design credit risk policies, procedures, and strategies for lending features in Brazil; validate underwriting strategies; lead preventative and reactive responses to market and product changes; develop account-level valuation and credit underwriting policies using NPV frameworks; manage credit limits and risk-based pricing; adjust portfolio returns; support budgeting and forecasting; monitor credit KPIs; identify operational inefficiencies; implement small-scale changes; and ensure strong approval and ratings for the first-line credit risk function.

Responsibilities

• Develop account-level valuation and credit underwriting policies using NPV frameworks
• Make data-driven decisions with a focus on marginal decision-making
• Manage credit limits, risk-based pricing, retention strategies, and over-limit policies
• Adjust risk-return requirements and manage portfolio returns as new data becomes available
• Support annual budgeting, forecasting, and planning processes
• Track and communicate the performance of ongoing initiatives
• Draw insights from initiative performance
• Monitor credit KPIs
• Identify operational inefficiencies
• Manage small-scale changes within the Credit team
• Ensure approval and good ratings for the first-line credit risk function from second-line, third-line, and regulatory stakeholders

Requirements

• Experience managing the risk cycle for retail credit products such as credit cards and unsecured personal loans
• Bachelor's degree from a top university in an analytical or quantitative field such as engineering, statistics, physics, mathematics, economics, or management
• Understanding of credit policy governance frameworks and second- and third-line defence processes
• Track record of delivering results that exceed requirements
• Ability to plan appropriately, meet multiple objectives, and proactively identify and resolve issues
• Knowledge of credit and behavioural scoring models, especially for retail credit products
• Ability to explain complex concepts clearly and simply
• Understanding of the value of speed to market and the balance between elegant problem-solving and business needs
• Master's degree
• Working knowledge of SQL, R, Python, or other data analysis tools
• Willingness to learn new technology

Benefits

• Financial benefits
• Flexibility to work from home, the office, or abroad
• Revolut Metal subscription with perks
• Events throughout the year