Underwriter (Mortgages)

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 65+ 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 team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward-thinking solutions tailored to each region.

We're looking for a Mortgage Underwriter to ensure high-quality lending decisions and conduct thorough credit risk assessments within the 1st line of defence (1LoD).

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

Up to shape what's next in 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
• Providing guidance and consultation to Mortgage Advisors and other 1LoD functions, offering training, addressing knowledge gaps, and fostering a solid credit risk culture across the business
• Proposing policy changes, preparing risk reports, analysing portfolio trends, and contributing to the continuous improvement of credit risk frameworks and underwriting system improvements

What you'll need

• Experience in mortgage lending, underwriting, and credit risk assessment, preferably in a 1LoD or 2LoD risk function
• In-depth knowledge of mortgage products, regulatory requirements, market best practices, and risk management principles
• An analytical mindset with great decision-making skills
• Impeccable attention to detail
• The 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

Compensation range

• Vilnius: €3,000 - €3,400 gross monthly*
• Lithuania: €3,000 - €3,400 gross monthly*
• Other locations: Compensation will be discussed during the interview process

*Final compensation will be determined based on the candidate's qualifications, skills, and previous experience

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.

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