Head of Risk (Non-Retail)

About Revolut

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 65+ 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 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 role

Risk at Revolut operates across all functions, products, and regions to monitor front-line performance and ensure the business operates safely. They’re among the first to be involved in new initiatives, from tech to customer support.

We’re looking for a Head of Risk to cover first-line, non-retail risks. You'll implement cross-functional elements into our risk management framework, build a team that'll design and oversee credit risk, and define thresholds for a variety of features.

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

What you'll be doing

• Designing a globally scalable risk framework, establishing governance structures, and strengthening risk culture and awareness across the business
• Collaborating with Data Science and Engineering teams on the creation of origination, monitoring, provisioning, and collections risk models to optimise portfolio returns
• Building and leading a portfolio management team, initially focusing on continuous monitoring processes for receivables and payables finance
• Shaping local in-country credit policies and procedures to maximise portfolio-level economic returns
• Providing thought leadership on defining and evolving the risk appetite for mid-market, corporate, and enterprise features
• Making key underwriting decisions for significant exposures and representing the first-line team on relevant risk committees
• Maintaining a solid working relationship with the second line of defence
• Supporting department objectives and planning processes

What you'll need

• Expertise in managing credit risk for mid-market products
• The ability to build and scale a team from scratch, identifying key business needs and support needs for future business growth
• A solid understanding of credit policy governance and experience working effectively with 2LoD and 3LoD
• Experience in risk and fraud identification, monitoring, control implementation, and testing
• The ability to plan strategically, manage interdependencies, and deliver exceptional results that exceed requirements
• Excellent communication skills with a clear, concise, and structured approach to explaining complex concepts
• Impressive analytical and problem-solving skills with the ability to process complex information for optimal decision-making
• Experience balancing thorough risk assessment with the need for timely execution and business impact

Nice to have

• Experience with trade finance products

Compensation range

• Krakow: PLN33,000 - PLN36,600 gross monthly*
• Poland: PLN33,000 - PLN36,600 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.

Important notice for candidates:

Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.

• Only apply through official Revolut channels. We don’t use any third-party services or platforms for our recruitment.

• Always double-check the emails you receive. Make sure all communications are being done through official Revolut emails, with an @revolut.com domain.

We won't ask for payment or personal financial information during the hiring process. If anyone does ask you for this, it’s a scam. Report it immediately.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice