Underwriter (Mortgage)

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 60+ 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 roleThe 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.

As a Mortgage Underwriter, you'll play a crucial role in ensuring high-quality lending decisions and conducting thorough credit risk assessments within the 1st Line of Defense (1LoD).

In this role, you'll be a key decision-maker, driving risk acceptance while shaping and implementing best practices in credit risk management.

As this is a relatively new product in our portfolio, your expertise and insights will be instrumental in refining our risk framework, enhancing underwriting standards, and contributing to a strong risk culture across the organization.

Up to shape the future of finance?

Let's get in touch.

What you'll be doingMaking well-informed credit decisions on applications prepared by Mortgage Advisors ensuring they align with internal credit policies, risk appetite, and regulatory guidelinesReviewing financial documents, income verification, credit reports, and other supporting materials to confirm application details are accurate and completeIdentifying discrepancies or potential risks in applications, proposing risk mitigating measures, or escalating concerns where necessary to higher decision making authorities or supporting functionsProviding guidance and consultation to Mortgage Advisors and other 1LoD functions, offering training, addressing knowledge gaps, and fostering a strong credit risk culture across decision-makersAssisting Policy Manager in their daily tasks, including proposing policy changes, preparing risk reports, analyzing portfolio trends, and contributing to the continuous improvement of credit risk frameworks and underwriting system improvementsWhat you'll needProven experience in mortgage lending, underwriting and credit risk assessment, preferably in 1st Line of Defence or 2nd Line of Defence Risk functionIn-depth knowledge of mortgage products, regulatory requirements, market best practices and risk management principlesAnalytical mindset with strong attention to detail and decision-making skillsAbility to interpret financial statements, credit reports, and risk indicators effectivelyExcellent communication and cross-team collaboration skills to work with multiple stakeholdersFamiliarity with lending platforms and credit risk assessment toolsBuilding 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

Benefits at RevolutNo ping pong tables or bean bag chairs, just benefits you actually want

Get what you need to succeedFinancial benefits that show we value your workFlexibility to work from home, the office or abroadA free Revolut Metal subscription loaded with perksExciting events year-round so you can get to know your teamRevoluters always push through!

We stopped listening to excuses a long time ago - we care about results.

We believe that grit, determination, skill, smartness, and courage can break through almost any wall.

Deliver WOWWe love building great products, we love delighting our customers, we love turning the complexity of a chaotic world into the simplicity of a beautiful solution that truly solves customer needs.

Dream TeamWe select, coach, and retain the top talent only and give them all the support to achieve greatness

Never SettleRevolut is for those who always strive for excellence, for those who want to become the best in the world at what they do, for those who would never settle for less.

Revolut is for 10x people.

Think DeeperLogic, reason, and common sense prevail over everything else in decision making at Revolut.

We are open-minded, we listen, and we are always in search of the truth.

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