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Head of Credit Modelling at Revolut
London, GB
The credit department at Revolut designs, develops and launches credit products across multiple countries.
As we do this from scratch we have complete responsibility for each product: developing the backend, the front-end, the data science infrastructure, and then creating a local setup in each country with scalable risk management and portfolio management solutions.
The team is made up of a mix of risk management, product, design and software professionals, providing lots of opportunity to share knowledge and learnings across functions.
Head of Credit Modelling will lead and build of credit models and an efficient scalable scoring, pricing, model building and validation infrastructure with functionality for local configuration.
What you'll be doing:
• You will be running a team of python engineers and data scientists;
• Leading the build of stable and predictive scoring, pricing and targeting models for retail credit portfolios;
• Delivering effective model maintenance and review process;
• Designing technical implementation of credit risk models based on the data format and availability;
• Liaising with local credit risk management teams to determine ways to implement additional data sources for credit scoring;
• Localisation of credit models;
• Setting up robust credit data science infrastructure;
• Process documentation.
• Extensive credit scoring and pricing model development track record in a banking or start up environment;
• Track record of leading a team;
• Ability to split a project into tasks and prioritise;
• Model development experience in Python or strong SAS/R/Matlab with willingness to learn Python;
• Strong understanding of model evaluation and monitoring techniques;
• Strong analytical and problem solving skills;
• Strong understanding of transactional and credit bureau data;
• Good understanding of retail portfolio credit risk;
• Attention to details;
• Technical background, ideally with a degree in a quantitative discipline, computational skills, such as SQL.
We believe that there are better ways for people to control their money. Easier, fairer ways.
Revolut started in 2015 with fee-free card transactions abroad. We’ve since added current accounts, business accounts, savings, insurance, and even cryptocurrency trading.
We reached 4 million customers in February 2019 and we’re adding another million every quarter.
And we’re only just getting started.
Come and help Revolut build the world’s first truly global bank.
From employee 1 to employee 1000, you will be slotting into a global team that shares a number of traits.
You can work autonomously and take ownership. We thrive with the space and responsibility to solve problems.
You operate best without lots of bureaucracy. We don’t hide behind fancy job titles or clunky processes ‘because that’s how things are done’.
You approach work in a logical way. We are not afraid to make mistakes but we use data and logic to backup decisions and improve understanding.
And you share our mission to improve people’s relationship with their money.
• Competitive salary
• Biannual equity bonuses
• All the latest tech you need
• Skip the commute and work from home once a week
• Roll with a free Revolut Metal subscription
• Pension plan
• Private health insurance
• Don’t panic about cooking: get free dinners with Deliveroo
• Start the day properly with fresh fruit and cereals
• Stay refreshed: get juice, tea, coffee and soft drinks on tap
• Rest up with 29 days’ holiday per year

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