About Revolut

People deserve more from their money. More visibility, more control, more freedom. And since 2015, Revolut has been on a mission to deliver just that. With an arsenal of awesome products that span spending, saving, travel, transfers, investing, exchanging and more, our super app has helped 25+ million customers get more from their money. And we're not done yet.

As we continue our lightning-fast growth, we believe that two things are essential to continuing our success: our people and our culture. So far, we have 5000+ people working around the world, from our great offices or remotely, on our mission. And we're looking for more. We want brilliant people that love building great products, love redefining success, and love turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About The Role

The 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. It's a big old job, but our people are a Credit to us all ✨

Unfortunately, not everything in fintech can be automated. That's where you come in. We need an Underwriter who can review our customer credit applications when there's a little more digging to be done 🔍 You'll be a master of regulation, and decide if the information provided meets Revolut's creditworthiness criteria. Great role, if you enjoy a little power trip as well as thorough financial processes 💸

What You’ll Be Doing

• Evaluating applicant’s creditworthiness and identify risks including an assessment of affordability and review of applicant’s credit file in line with Revolut’s lending criteria
• Reviewing customer documentation and details for accuracy and authenticity
• Identifying potentially fraudulent applications and escalating where required
• Communicating with customers either to request or to provide information relating to credit applications
• Making decisions regarding whether to approve an applicant for credit
• Assessing and making decisions regarding overdue/forborne/non-performing loans that do not pass automated decision making
• Consulting internal Operation teams regarding lending/forbearance/collections
  
  

What You'll Need

• Bachelor’s degree in Finance, Economics, Accounting or similar field
• Experience in underwriting unsecured personal loans and/or credit cards
• Knowledge of applicable regulatory requirements
• Ability to question and scrutinise information
• High level of numeracy
• High level of attention to detail regarding documentation examination
• Ability to work within given deadlines/SLAs
• Solid understanding of lending products and practices
• Excellent communication and interpersonal skills
• Customer service 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.

By applying for the above position, you will confirm that you have reviewed and agreed to our Data Privacy Notice for Candidates: https://www.revolut.com/legal/data-privacy-for-candidates