Credit Analyst

**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**

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 a Credit Analyst who can autonomously underwrite loans, improve an auto-decisioning tool, and monitor a book of loans. 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**
- Decisioning loans based on signing authority, or presenting deals to the credit committee for review and approval
- Ensuring KPIs on credit underwriting are met, including individual service level agreements, approval rates, and decline rates
- Identifying operational inefficiencies and managing the implementation of big and small-scale changes within the Credit department
- Optimising risk mitigation while reducing client friction, ensuring a positive experience for business customers
- Ensuring continuous monitoring and validation of credit decision outcomes and MIS availability
- Leading the initiative for preventive and reactive actions towards any micro and macro factors impacting portfolio credit performance and profitability
- Ensuring approval and good rating of first-line credit risk function from second line, third line, and regulators

**What you'll need**
- A proven track record of credit analysis on similar loan products
- A bachelor's degree from a top university in an quantitative/analytical field, such as engineering, statistics, physics, maths, economics, or management
- A solid understanding of credit policy governance framework, and the ability to work through the 2nd/3rd line of defence in a competent manner
- Experience improving or launching new credit products/features
- A track record of delivering exceptional results that exceed requirements
- The ability to explain complex concepts in a simple manner
- A deep-thinking mindset capable of processing a lot of information to make the best decisions

**Nice to have**
- Knowledge of SQL, R, or Python and other data analysis tools
- An interest in learning new technology to help the business scale
- A master's degree

**Compensation range**
- Krakow: PLN8,300 - PLN12,300 gross monthly*
- Poland: PLN8,300 - PLN12,300 gross monthly*
- Other locations: Compensation will be discussed during the interview process

**_ 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._