Revolut

Underwriter - Retail

Poland
Sep, 27
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ABOUT THE TEAM

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.

Who we are

We are building the world's first truly global financial superapp. In 2015, Revolut launched in the UK offering money transfer and exchange. Today, our customers around the world use dozens of Revolut's innovative products to make more than 100 million transactions a month.

ABOUT THE ROLE

The credit underwriter role is responsible for the timely review of all non-automated requests. You will protect the interests of Revolut and our prospective customers by reviewing financial information provided by applicants and other available third party data to determine whether they meet Revolut's criteria for creditworthiness.

WHAT YOU'LL DO

• Evaluate applicant’s creditworthiness and identify risks including an assessment of affordability and review of applicant’s credit file in line with Revolut’s lending criteria

• Review customer documentation and details for accuracy and authenticity

• Identify potentially fraudulent applications and escalate where required

• Communicate with clients either to request or to provide information related with credit applications to support underwriting decision

• Make decisions regarding whether to approve an applicant for financing

• Assess and make decisions regarding overdue/forborne/non-performing loans that do not pass automated decision making

• Consult internal Operation teams regarding lending/forbearance/collections

WHAT YOU'LL NEED

• Bachelor’s degree in Finance, Economics, Accounting or similar field

• Previous experience in unsecured loan underwriting, creditworthiness assessment and/or loan collection, recoveries

• Knowledge of applicable regulatory requirements

• Ability to question and scrutinize information

• High level of numeracy

• High level of attention to detail regarding documentation examination

• Ability to work within given deadlines/SLAs

• Solid understanding of lending products and practices

• Excellent communication and interpersonal skills

• Customer service oriented

A little about us…When Revolut was founded in 2015, we had a vision to build a sustainable, digital alternative to traditional big banks. Our mission now is to help our customers improve their financial health, empower them to have more control, and promote financial cohesion across the communities in which we operate. Launching into 2020 with 10 million Personal customers and over a quarter of a million Business customers only reinforced our belief in the vast need across the world for better financial services. As our customer base has boomed in the last year, we’ve expanded our team to match that growth. We started 2019 with several hundred employees; we closed it out with 2000.

What we’re looking for…Revolut is being scaled up by people all around the world who share our vision. We’re looking for people who align with our five core values: we believe that we Get it Done because we Think Deeper and are strongly rooted in the Dream Team. We Never Settle hence why we always Deliver Wow. You want to join a community of forward thinking people - we are here for you. We believe in empowering our Revoluters in their work, giving them autonomy and ownership of what they do. We want everyone at Revolut to own their story and their successes - working with us means you’re not just another cog in the machine.

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