Retail Credit Risk Manager

Remote: Argentina

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 Risk Manager to support our growing retail credit portfolio. You'll make data-driven decisions on risk-adjusted return requirements and lead preventive and reactive actions that impact portfolio credit performance and profitability in Argentina and within the second line of defence.

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

What you’ll be doing

• Overseeing retail credit risk exposure to ensure the portfolio remains within defined safety parameters
• Providing second-line oversight and challenge over first-line credit activities to maintain independent governance
• Ensuring compliance with BCRA requirements, specifically regarding debtor classification, arrears treatment, and provisioning
• Managing risk appetite through the precise calibration and continuous monitoring of credit limits
• Reviewing and challenging risk models in collaboration with the Risk Modelling team to ensure predictive accuracy
• Engaging with local regulators (BCRA) and internal committees on material credit exposures and regulatory reporting
• Quantifying risk exposures, assessing the impact of regulatory classifications and required financial provisioning
• Governing emerging risks and conducting risk assessments for new retail product launches
• Maintaining key policies and controls to standardize credit risk management across the local operation
• Protecting the company from excessive risk-taking to optimize long-term costs and maintain institutional reputation

What you'll need

• 4+ years of retail credit risk experience (not including wholesale/treasury experience)
• Knowledge of key products, like unsecured personal loans, credit cards, and BNPL
• A solid understanding of credit policy governance framework, and the ability to work through the three lines of defence in a competent manner
• Familiarity with retail credit risk regulations in Argentina (BCRA)
• Expertise in retail credit risk modelling (PD/ECL)
• The ability to translate regulatory requirements into practical risk guidance and challenge first-line decisions
• Great communication and stakeholder management skills
• Fluency in English

Nice to have

• A degree or certification in risk management
• Experience implementing third-party/vendor and model risk programmes
• Familiarity with data or MI tools (e.g., SQL or BI tools) for analysis and review purposes
• Experience supporting regulatory interactions, inspections, or audits related to credit risk
• Experience in business credit lending

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