Credit Analyst (Business Underwriter)

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

Underwriting SME financing applications through the analysis of accounts, open banking transactions, business models, and other databases
Rationalising the risk/reward balance for each application
Decisioning loans based on signing authority, or presenting deals to the credit committee for review and approval
Assisting with improving risk underwriting policies and contributing to key risk indicators (KRIs) for business credit applications and portfolio monitoring
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
An understanding of fraud risk management controls and how these apply to business credit underwriting decisions
Experience improving or launching new credit products/features
A track record of delivering exceptional results that exceed requirements
Experience documenting each application's merits in a clear and concise manner
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
Final compensation will be determined based on the candidate's qualifications, skills, and previous 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.

Important notice for candidates:

Job scams are on the rise. Please keep these guidelines in mind when applying for any open roles.

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.

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.

By submitting this application, I confirm that all the information given by me in this application for employment and any additional documents attached hereto are true to the best of my knowledge and that I have not wilfully suppressed any material fact. I confirm I have disclosed if applicable any previous employment with Revolut. I accept that if any of the information given by me in this application is in any way false or incorrect, my application may be rejected, any offer of employment may be withdrawn or my employment with Revolut may be terminated summarily or I may be dismissed. By submitting this application, I agree that my personal data will be processed in accordance with Revolut's Candidate Privacy Notice

Notice: This is a remote position based in Spain.