About Revolut

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 75+ 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 13,000+ 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 role

The Credit team builds and scales lending products that help drive Revolut’s global growth. From backend systems to customer experiences, we combine market insight, risk expertise, and technical excellence to deliver safe, innovative solutions tailored to each market.

We’re looking for a Head of Lending to lead the strategy for our local lending business. You’ll oversee portfolio performance and the customer lifecycle to build a scalable lending business that delivers outstanding customer experiences while meeting regulatory requirements.

Up to shape what’s next in finance? Let’s get in touch.

What you'll be doing

- Developing and executing the strategy for local lending features, from product design to market launch
- Defining customer segments, pricing, credit limits, value proposition, and the lending portfolio roadmap
- Building and continuously optimizing the Canadian credit risk framework, including underwriting policies, credit policies, fraud controls, and collections processes
- Monitoring portfolio performance by analyzing approval rates, activation, utilization, delinquency, losses, and risk-adjusted returns
- Partnering with Product, Risk, Engineering, Operations, and Finance teams to deliver lending initiatives and product enhancements
- Collaborating with global teams to adapt Revolut's lending capabilities to the local market
- Ensuring lending operations comply with Canadian regulatory requirements, including consumer protection, anti-money laundering (AML), privacy, and credit reporting obligations
- Establishing scalable operating processes, governance,



and external partnerships to support lending growth

What you'll need

- 7+ years of experience in consumer lending, credit cards, or retail banking with progressive leadership responsibility
- A bachelor's degree in finance, economics, business, STEM, or another quantitative discipline
- Proven success leading a consumer lending or credit card business with end-to-end ownership
- An excellent understanding of lending economics, underwriting, pricing, portfolio management, and collections
- Expertise in credit risk management, including credit policies, scorecards, fraud controls, and portfolio monitoring
- Knowledge of consumer lending regulations, credit bureaus, and the payments ecosystem
- Experience launching current lending products or expanding into new markets
- Solid commercial judgment with a track record of growing portfolios while delivering sustainable, risk-adjusted returns
- Impressive analytical skills with the ability to turn portfolio and customer data into business decisions
- The ability to influence and collaborate with cross-functional teams across Product, Risk, Finance, Operations, Compliance, Data Science, and Engineering
- Great communication and stakeholder management skills

Nice to have

- Experience launching or managing a credit card portfolio
- Experience in a high-growth fintech or digital-first bank
- Knowledge of Canadian consumer lending regulations, credit bureaus, and the payments ecosystem
- Familiarity with modern underwriting techniques, including alternative data and machine learning models
- Experience with unsecured personal loans, buy now-pay later (BNPL), overdrafts, or other consumer lending products
- Familiarity with cloud-native lending platforms and digital origination journeys
- Experience across multiple international markets
- Exposure to securitization, funding strategies, or balance sheet management

Important information for applicants in Canada

- Employment structure: please note that successful candidates will be legally employed by our Employer of Record (EOR) partner, Deel, and assigned to provide services to our business
- Vacancy status:



this posting is for an existing vacancy
- AI disclosure: we're committed to transparency. Please note that artificial intelligence (AI) tools are used during the screening and assessment process for this role
- Exigences linguistiques/language requirements: while we operate globally, this role requires proficiency in English as the employee will be required to consistently communicate with non-French-speaking global teams and customers outside of Quebec. We have assessed our internal capabilities and determined this requirement can't be fulfilled by existing staff

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.

Significant 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

📌 Head of Lending (Canada)
🏢 Revolut
📍 Canada