is hiring for the role of Credit Analyst / Business Underwriter in a remote setup. This role sits at the core of Revolut’s lending and financial risk operations, where decisions directly impact credit approvals, business lending, and financial risk exposure.
Job Overview
- Company: Revolut
- Position: Credit Analyst / Business Underwriter
- Qualification: Bachelor’s / Master’s Degree
- Experience: Freshers / Experienced
- Location: Remote
- Job Type: Full-Time
- Domain: Credit Risk / Underwriting / Financial Analysis
What This Role Is Really About
This role focuses on evaluating whether a customer or business is eligible for credit. You will analyze financial data, assess risk levels, and decide whether lending is safe.
Your work influences:
- Loan approvals
- Credit limits
- Risk exposure for the company
It is not just data analysis—it is decision-making based on financial judgment.
How Your Work Fits Into Revolut’s System
Revolut operates as a digital financial platform offering credit products. Before any credit is issued, it must be evaluated.
Your role is part of that evaluation process:
- Review applications
- Analyze financial data
- Assess risk
- Approve or reject cases
You act as a gatekeeper for financial risk.
Core Responsibilities
- Analyze credit applications and financial data
- Assess risk levels for individuals or businesses
- Make underwriting decisions based on analysis
- Review financial statements and transaction data
- Ensure compliance with internal policies
- Collaborate with risk and operations teams
What You’ll Actually Be Doing
Your daily work involves:
- Reviewing applications for credit
- Checking financial details and transaction history
- Identifying potential risks
- Making decisions or recommendations
You are expected to balance growth and risk, ensuring that approvals are safe and justified.
Working With Financial Data
You will handle:
- Income and revenue data
- Transaction histories
- Credit behavior patterns
This data is used to answer:
- Can this applicant repay the loan?
- Is there any risk of default?
Your analysis must be:
- Logical
- Evidence-based
- Clearly documented
Analytical Thinking Required
This role requires constant judgment:
- What risk does this data indicate?
- Is this application safe or risky?
- Should this be approved or rejected?
It is less about coding and more about financial reasoning and decision-making.
Skills Expected
- Strong analytical and problem-solving skills
- Understanding of financial concepts (basic level)
- Ability to interpret data and identify risk
- Good communication skills
- Attention to detail
Basic exposure to:
- Credit analysis
- Financial statements
- Risk assessment
is helpful but not mandatory.
Work Environment & Style
Revolut operates in a fast-paced fintech environment, where:
- Decisions are data-driven
- Speed and accuracy both matter
- Teams work remotely across regions
You are expected to:
- Handle cases efficiently
- Maintain high accuracy
- Meet performance targets
A Realistic Day in This Role
- Review credit applications
- Analyze financial data
- Identify risk indicators
- Make or recommend decisions
- Document findings
- Collaborate with team members
Each day involves analysis, judgment, and decision-making.
What Makes This Role Different
You are not just analyzing data.
You are:
- Making financial decisions
- Managing risk exposure
- Directly impacting lending outcomes
This adds responsibility and real-world impact to your work.
Who This Role Is Best For
- Someone interested in finance or fintech
- Someone who enjoys analyzing data and making decisions
- Someone detail-oriented and logical
- Someone comfortable working remotely
Growth You Can Expect
- Move into Senior Credit Analyst roles
- Transition into Risk or Compliance roles
- Work on advanced underwriting models
- Build a career in fintech or banking
Why This Role Is Valuable
- Entry into credit and risk domain
- Exposure to real financial decision-making
- Remote work flexibility
- High demand career path (risk & underwriting)
Long-Term Value of This Experience
Working at Revolut helps you:
- Understand how lending decisions are made
- Gain experience in financial risk analysis
- Build strong analytical and decision-making skills
This opens opportunities in:
- Banking and fintech companies
- Risk and compliance roles
- Financial analytics careers
How to Apply
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