About Revolut

People deserve more from their money. More visibility, more control, more freedom. And since 2015, Revolut has been on a mission to deliver just that. With an arsenal of awesome products that span spending, saving, travel, transfers, investing, exchanging and more, we've helped 45+ million customers get more from their money. And we're not done yet.

As we continue our lightning-fast growth,‌ two things are essential to continuing our success: our people and our culture. We've been officially certified as a Great Place to Work™ in recognition of our outstanding employee experience! So far, we have 10,000+ people working around the world, from our great offices or remotely, on our mission. And we're looking for more. We want brilliant people that love building great products, love redefining success, and love turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About the role

Our 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 ground. 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, all the way to Customer Support 💫

We’re looking for a Mortgage Credit Risk Manager who'll help us grow our mortgage portfolio. An expert in making data-driven decisions with good business intuition on risk-adjusted return requirements. Someone to lead the initiative for preventive and reactive actions towards any factors impacting portfolio credit performance and profitability.

Up for the challenge? Let’s get in touch 🚀

What you’ll be doing

• Managing Revolut's exposure to mortgage credit risk
• Working with the Risk Modelling team to design, develop, and implement mortgage models
• Managing risk appetite through limit calibration and monitoring
• Maintaining key policies, procedures, and controls
• Engaging with first-line businesses to identify, monitor, and govern emerging mortgage credit risks, including new product risk assessments
• Engaging with key stakeholders, committees, and regional regulators on material mortgage credit risk exposures and limit governance
• Quantifying risk exposures within the organisation, considering stakeholder impact where possible
• Protecting the company from excessive risk-taking, saving on both short and long-term costs to the business
• Building trust and reputation with our external stakeholders
• Identifying emerging risks that require immediate attention or could threaten the long-term viability of the company

What you'll need

• 3+ years of mortgage credit risk experience (not including wholesale/treasury experience)
• Knowledge of personal mortgages and collateral management
• A solid understanding of European Retail Credit Regulations and retail credit risk modelling (PD/ECL)

Nice to have

• A degree in STEM/Finance with a minimum 2:1/3.7 GPA
• Experience in second line of defence (risk)
• Experience in the European credit market, particularly Lithuania, Ireland, or other Western European markets (e.g. Spain, Portugal, Germany, France)

Compensation range

• Vilnius: €4,800 - €6,000 gross monthly*
• Lithuania: €4,800 - €6,000 gross monthly*
• Other locations: Compensation will be discussed during the interview process

*Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

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.

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