Office: Dublin
Remote: Ireland
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 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 role
The 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 doing

• Making well-informed credit decisions on applications prepared by Mortgage Advisors ensuring they align with internal credit policies, risk appetite, and regulatory guidelines
• Reviewing financial documents, income verification, credit reports, and other supporting materials to confirm application details are accurate and complete
• Identifying discrepancies or potential risks in applications, proposing risk mitigating measures, or escalating concerns where necessary to higher decision making authorities or supporting functions
• Providing guidance and consultation to Mortgage Advisors and other 1LoD functions, offering training, addressing knowledge gaps, and fostering a strong credit risk culture across decision-makers
• Assisting 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 improvements

What you’ll need

• Proven experience in mortgage lending, underwriting and credit risk assessment, preferably in 1st Line of Defence or 2nd Line of Defence Risk function
• In-depth knowledge of mortgage products, regulatory requirements, market best practices and risk management principles
• Analytical mindset with strong attention to detail and decision-making skills
• Ability to interpret financial statements, credit reports, and risk indicators effectively
• Excellent communication and cross-team collaboration skills to work with multiple stakeholders
• Familiarity with lending platforms and credit risk assessment tools

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.

What you’ll be doing

• Making well-informed credit decisions on applications prepared by Mortgage Advisors ensuring they align with internal credit policies, risk appetite, and regulatory guidelines
• Reviewing financial documents, income verification, credit reports, and other supporting materials to confirm application details are accurate and complete
• Identifying discrepancies or potential risks in applications, proposing risk mitigating measures, or escalating concerns where necessary to higher decision making authorities or supporting functions
• Providing guidance and consultation to Mortgage Advisors and other 1LoD functions, offering training, addressing knowledge gaps, and fostering a strong credit risk culture across decision-makers
• Assisting 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 improvement

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