Job description

About Revolut

Revolut empowers people with better control and visibility over their money through a diverse portfolio of financial services including spending, saving, investing, exchanging, and travel. Since 2015, the company has grown its user base to over 75 million customers worldwide. With a workforce exceeding 13,000 globally, Revolut fosters a culture that values innovation, employee experience, and rapid growth.

Role Overview

The Risk team at Revolut operates cross-functionally across products and regions to monitor frontline operations and ensure safe business practices. The Head of Risk (Non-Retail) will be responsible for implementing a robust risk management framework focusing on non-retail credit risks, building and leading a team, and defining risk thresholds across multiple features.

Key Responsibilities

Develop and deploy a globally scalable risk framework, establish governance, and promote risk awareness company-wide.
Partner with Data Science and Engineering teams to develop risk models related to origination, monitoring, provisioning, and collections aimed at improving portfolio returns.
Lead a portfolio management team focused on continuous monitoring of receivables and payables finance.
Formulate credit policies and procedures tailored to local markets to maximize economic returns.
Provide leadership in defining and evolving risk appetite for mid-market, corporate, and enterprise segments.
Make critical underwriting decisions on significant exposures and represent first-line risk in relevant committees.
Maintain effective collaboration with the second line of defense.
Support planning and objective setting in the risk department.

Required Qualifications and Skills

Proven expertise managing credit risk for mid-market financial products.
Experience in building and scaling risk teams aligned with business growth and support needs.
Knowledgeable in credit policy governance and effective interaction with second and third lines of defense.
Familiarity with risk and fraud detection, monitoring, controls implementation, and testing.
Strong strategic planning and dependency management skills capable of exceeding expectations.
Excellent communication, able to simplify complex concepts clearly and concisely.
Advanced analytical and problem-solving abilities enabling sound decision-making in complex contexts.
Adept at balancing thorough risk assessment with business agility and timely execution.

Preferred Experience

Background in trade finance products is advantageous.

Diversity & Inclusion

Revolut is committed to fostering a diverse and inclusive workplace, encouraging individuals from varied backgrounds to apply and contribute to a dynamic team environment.

Important Candidate Information

Applications must be submitted only through official Revolut channels.
All communications will be via official @revolut.com email addresses.
No payment or personal financial information will be requested during recruitment; any such requests are fraudulent and should be reported.

By applying, candidates confirm the accuracy and completeness of all provided information and consent to data processing under Revolut's privacy policies. False information may result in application rejection or termination of employment.