Underwriter (Retail)

About Revolut

People deserve more from their money. More visibility, more control, more freedom. And since 2015, Revolut has been on a mission to deliver just that. With an arsenal of awesome products that span spending, saving, travel, transfers, investing, exchanging and more, we've helped 40+ million customers get more from their money. And we're not done yet.

As we continue our lightning-fast growth,‌ two things are essential to continuing our success: our people and our culture. We've been officially certified as a Great Place to Work™ in recognition of our outstanding employee experience! So far, we have 10,000+ people working around the world, from our great offices or remotely, on our mission. And we're looking for more. We want brilliant people that love building great products, love redefining success, and love 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 ✨

Unfortunately, not everything in fintech can be automated. That's where you come in. We need an Underwriter who can review our customer credit applications when there's a little more digging to be done. You'll be an expert in creditworthiness and decide if the evidence provided meets Revolut's assessment criteria. You’ll also support our Collections team with forbearance applications and get an opportunity to be involved in product and marketing management. It's a great role if you enjoy wider exposure and are keen to diversify your skillset.

Sound like the challenge you're up for? Let's get in touch 🤝

What you’ll be doing

• Evaluating applicants' creditworthiness and identifying risks, including assessments of affordability and reviews of credit files in line with Revolut’s lending criteria, to make a decision regarding whether to approve for credit
• Reviewing customer documentation and details for accuracy and authenticity
• Identifying potentially fraudulent applications and escalating where required
• Communicating with customers either to request or to provide information relating to credit applications 
• Assessing and making decisions regarding overdue, forborne, and non-performing loans that don't pass automated decision-making
• Consulting internal Operation teams regarding lending, forbearance, and collections

What you'll need

• Experience underwriting personal credit applications
• Impressive problem-solving and analytical skills
• Experience with customer communication
• A high level of numeracy
• Impeccable attention to detail regarding documentation examination
• The ability to work within given deadlines/SLAs
• A solid understanding of lending products and practices
• Excellent communication and interpersonal skills

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.

Refer to our Data Privacy Statement for Candidates for details on our data handling practices during your application.