Retail Credit Risk Manager

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. 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. What You’ll Be Doing Oversee retail credit risk exposure to ensure the portfolio remains within defined safety parameters. Provide second‑line oversight and challenge over first‑line credit activities to maintain independent governance. Ensure compliance with BCRA requirements, specifically regarding debtor classification, arrears treatment, and provisioning. Manage risk appetite through the precise calibration and continuous monitoring of credit limits. Review and challenge risk models in collaboration with the Risk Modelling team to ensure predictive accuracy. Engage with local regulators (BCRA) and internal committees on material credit exposures and regulatory reporting. Quantify risk exposures, assess the impact of regulatory classifications and required financial provisioning. Govern emerging risks and conduct risk assessments for new retail product launches. Maintain key policies and controls to standardize credit risk management across the local operation. Protect 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 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. Diversity & Inclusion 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 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. #J-18808-Ljbffr