**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 60+ 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 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 job, but our people are a credit to us all. As the Head of Lending, you'll be responsible for designing credit risk policies, procedures, and strategies for Revolut’s retail lending products in Colombia. This is a new-ish feature 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 for the challenge? Let's get in touch. **What you’ll be doing** - Developing account-level valuation frameworks using NPV methodology - Designing credit underwriting policies to optimise portfolio-level economic returns - Making data-driven decisions with a special focus on marginal decision-making - Managing credit limits, risk-based pricing and retention strategies - Defining and maintaining over-limit policies - Adjusting risk-return requirements based on evolving data - Managing portfolio returns to align with changing market dynamics - Supporting annual budgeting, forecasting, and planning processes - Conducting market trend analysis and preparing data-driven financial plans - Tracking and analysing the performance of ongoing credit initiatives - Monitoring credit KPIs and communicating actionable insights - Identifying operational inefficiencies and managing the implementation of small-scale change within the Credit function - Ensuring alignment of first-line credit risk function with second-line, third-line and regulatory expectations - Maintaining high audit and regulatory assessment scores for credit risk processes **What you'll need** - A proven track record of managing the risk cycle for retail credit products such as credit cards and unsecured personal loans - A bachelor’s degree from a top university in a quantitative field such as engineering, statistics, mathematics, economics, or management - A solid understanding of credit policy governance frameworks to navigate 2nd and 3rd line of defence processes - A results-oriented approach with a focus on exceeding business objectives - A forward-thinking mindset to plan effectively and proactively solve cross-functional challenges - Expertise in credit and behavioural scoring models, especially for retail credit products - The ability to explain complex concepts in a clear, simple manner - An appreciation for speed to market and the ability to balance elegant problem-solving with business urgency **Nice to have** - A master's degree - Proficiency in data analysis tools such as SQL, R, or Python - A willingness to adopt new technologies in support of business growth **_ 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._ Notice: This is a remote position based in Colombia.