Credit Analyst (Underwriter)

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 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 an FX Credit Analyst who can autonomously underwrite loans, improve an auto-decisioning tool, and monitor an active lending book of business.

You'll play a key role in growing a predictable and profitable business credit portfolio, while working across teams to enhance and expand the features we offer.

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

What You’ll Be Doing

Underwriting SME financing applications for FX products and trading facilities through the analysis of accounts, open banking transactions, business models, and other databasesRationalising the risk/reward balance for each applicationDecisioning FX trading limits and facilities based on signing authority, or presenting deals to the credit committee for review and approvalAssisting with improving risk underwriting policies for FX exposures, and contributing to key risk indicators (KRIs) for business credit applications and counterparty exposure monitoringEnsuring KPIs on credit underwriting are met, including individual service level agreements, approval rates, and decline rates, as well as limit utilisation metricsIdentifying operational inefficiencies and managing the implementation of big and small-scale changes within the department across onboarding, limit management, and margining processesOptimising risk mitigation while reducing client friction, ensuring a positive experience for business customersEnsuring continuous monitoring and validation of credit decision outcomes and FX exposure outcomes, including mark-to-market movements and MIS availabilityLeading the initiative for preventive and reactive actions towards any micro and macro factors impacting portfolio credit performance and profitabilityEnsuring approval and good rating of first-line credit risk function for FX risk activities from second line, third line, and regulators

What You'll Need

Expertise in credit risk analysis for FX or treasury productsA bachelor's degree from a top university in an quantitative field, such as engineering, statistics, physics, maths, economics, or managementA solid understanding of credit policy governance frameworks, and the ability to work through the 2nd/3rd line of defence in a competent mannerFamiliarity with fraud risk management controls and how these apply to business credit underwriting decisions, FX onboarding, and trading limit approvalsExperience improving or launching new credit products, FX risk features, or trading productsA track record of delivering exceptional results that exceed requirementsExperience documenting each application's merits and associated exposure risks in a clear and concise mannerA deep-thinking mindset capable of processing a lot of information to make the best decisions

Nice to have

Knowledge of SQL, R, Python, and/or other data analysis toolsAn interest in learning new technology to help the business scaleA master's degree

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.

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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