Credit Policy Manager (Mortgages)

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 80+ 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 Work . So far, we have 13,000+ 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 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 Mortgage Credit Manager to design credit risk policies, procedures, and strategies around mortgage lending in Ireland. You'll be managing validation of the underwriting strategy, as well as leading the charge for preventative and reactive actions across the market.

Up to shape what's next in finance? Let's get in touch.

What you'll be doing

• Helping to build and scale global underwriting policies and frameworks that balance risk, operational efficiency, and seamless customer experience
• Making data-driven decisions with a special focus on marginal decision-making
• Managing credit limits, risk-based pricing, retention strategies, regulatory changes, new feature launches, etc.
• Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to light
• Supporting the annual budget, sales forecast, and planning processes by assessing market/industry trends through data gathering and analysis
• Conducting quality assurance reviews to ensure decisions are accurate, consistent, and compliant
• Providing training and mentorship to strengthen credit risk management awareness and foster a positive risk culture
• Contributing to product development and funnel optimisation initiatives while supporting the Mortgage Product Manager in building a best-in-class product
• Tracking, communicating, and drawing insights from performance of ongoing initiatives while 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

What you'll need

• A proven track record of managing credit risk for mortgages, credit cards, unsecured personal loans, etc.
• A bachelor's degree in a quantitative/analytical field, like economics, management, maths, engineering, or statistics, from a top university
• A solid understanding of credit policy governance framework, credit risk models, and the value of speed to market
• The ability to work through 2nd/3rd line of defence in a competent manner
• To be forward-thinking to proactively identify and resolve issues
• The ability to explain complex concepts in simple manner
• Critical thinking skills capable of processing a lot of information for optimal decision making
• Excellent working knowledge of SQL and other data analysis tools, and a willingness to learn new technology to help the business scale

Nice to have

• Proficiency in R and Python

Building 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 everyday. 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.

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