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Welcome! I'm thrilled to help you prepare for the Retail Credit Risk Manager role at Revolut. It's an incredibly dynamic position, especially in a fast-scaling fintech environment where credit decisions happen in milliseconds.

To make our sessions as valuable as possible, could you tell me a bit about your current background in finance or risk management, and what specifically draws you to this role at Revolut?

It's great to connect with you, Mariana. Your impressive experience in finance and risk analytics will definitely give you a strong foundation as we prepare for this pivot into retail credit risk at Revolut. To kick things off, let's establish a clear roadmap for our prep sessions so you can see exactly where we're headed.

Your path
Core Responsibilities and Skills
Risk Frameworks, Modeling, and Data
Preparation for the Role
Let's start with our first subtopic: Introduction to Retail Credit Risk Management. To put it simply, is the structured practice of identifying, measuring, and controlling the risk of financial loss stemming from individual consumers failing to pay back their debts. This covers everything from credit cards and personal loans to modern, fast-growing products like Buy Now, Pay Later (BNPL). At a hyper-growth fintech like Revolut, this isn't just about saying "yes" or "no" to a loan. It's about designing automated systems that can instantly judge whether an applicant in London, Singapore, or New York is safe to lend to.