Credit Policy Manager (Mortgage)

Skip to main content Credit Policy Manager (Mortgage) hackajob India Credit Policy Manager (Mortgage) hackajob India 1 week ago 55 applicants See who hackajob has hired for this role Report this job hackajob is collaborating with Revolut to connect them with exceptional professionals for this role.About RevolutPeople 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 75+ 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 RoleThe Credit department at Revolut is anything but ordinary. They design, develop, and launch credit products across the globe. The team manages our products from day one to the end — developing the back and front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions.As a Mortgage Credit Manager, you'll be responsible for designing the credit risk policies, procedures, and strategies around launching Revolut’s mortgage retail lending in Lithuania. This is a new-ish product in our portfolio, and as that book grows, you'll be managing validation of the underwriting strategy, as well as leading the charge for preventative and reactive actions to the market and product offering.Up to shape the future of finance? Let's get in touch.What you'll be doingCreating mortgage lending policies, procedures, and frameworksHelping to build and scale global underwriting systems that balance risk, operational efficiency, and seamless customer experienceMaking data-driven decisions with a special focus on marginal decision-makingManaging credit limits, risk-based pricing, retention strategies, regulatory changes, new feature launches, etc.Adjusting risk return requirements and managing/adjusting portfolio returns as new data comes to lightSupporting the annual budget, sales forecast, and planning processes by assessing market/industry trends through data gathering and analysisConducting quality assurance reviews to ensure decisions are accurate, consistent, and compliantProviding training and mentorship to strengthen credit risk management awareness and foster a positive risk cultureContributing to product development and funnel optimisation initiatives while supporting the Mortgage Product Manager in building a best-in-class productTracking, communicating, and drawing insights from performance of ongoing initiatives while staying on top of credit KPIs through intensive monitoringEnsuring approval and good rating of first-line credit risk function from second line, third line, and regulatorsWhat you'll needA proven track record of managing credit risk for mortgage products and/or credit cards, unsecured personal loans, etc.A bachelor's degree in a quantitative/analytical field like...