Chief Risk Officer - Western Europe Bank

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

Revolut is building the future of global banking — bold, borderless, and technology-first. As part of this mission, we’re establishing our new Western European banking entity, headquartered in Paris, and applying for a full French banking license to drive our next phase of regional growth. To make this happen, we’re looking for a world-class Chief Risk Officer (CRO) to lead the charge on risk for Western Europe.

As CRO of our French entity, you'll be a key member of the local Executive Committee, reporting directly to the CEO of Revolut Western Europe and the Group Head of Risk. You’ll take full responsibility for establishing and maintaining a comprehensive risk management framework that enables the safe and strategic growth of our operations in Western Europe, while aligning with Revolut Group's global standards.

This isn’t just a leadership role — it’s a builder’s role. You’ll need to balance hands-on work with strategic influence, whether you’re validating credit scorecards, shaping our ERMF, recruiting the Risk dream team, running stress tests, or engaging with senior regulators. You’ll oversee the day-to-day operations of Revolut Western Europe’s independent risk, ensuring proper governance and control are embedded across the business.

If you thrive in fast-paced, entrepreneurial environments, have a passion for protecting customers and companies from risk, and know what it takes to establish a regulated banking function from the ground up — this is your role.

What you'll be doing

• Leading the development and implementation of the risk management framework and strategy for Western Europe Bank
• Ensuring alignment of local risk strategy with Group standards
• Managing Western Europe’s risk profile within the agreed appetite
• Providing risk reporting and challenge to the France's Executive Committee and Board
• Recruiting, managing, and developing the Western Europe Risk Dream Team
• Overseeing day-to-day risk operations
• Ensuring appropriate governance and controls are in place
• Building and maintaining strong relationships with French regulators
• Responding to supervisory reviews and regulatory audits
• Supporting product launches, partnerships, and market entries by assessing risks and implementing mitigation strategies
• Performing capital, liquidity, and interest rate risk stress testing
• Ensuring compliance with applicable prudential requirements
• Preparing internal and regulatory risk reports, including ICAAP, ILAAP, and Recovery & Resolution Plans
• Monitoring market risk trends and proactively advising business leadership on their implications
• Driving the localisation of Group risk policies and ensuring their relevance and effectiveness within the Western Europe markets
• Developing and embedding business continuity plans
• Managing ongoing assurance and readiness testing

What you'll need

• An Extensive experience leading risk functions in regulated retail banking environments
• Demonstrated ability to establish first or second line of defence frameworks from the ground up
• Excellent knowledge of French banking laws, regulatory frameworks, and supervisory expectations
• Deep understanding of credit, operational, and conduct risks within financial services
• A track record of strategic leadership, including participation in financial services Executive Committees
• Proven ability to partner with commercial and technical teams to balance innovation with control
• Exceptional leadership and communication skills with a high degree of independence and integrity

Nice to have

• Experience supporting a banking license application process
• Start-up or scale-up experience in high-growth environments
• Background in tier-1 strategy consulting, investment banking, or private equity
• Experience in media, public speaking, or government relations
• CFA, ACA, FRM, or similar risk-related certifications
• A STEM degree from a top university or an academic medal in mathematics, physics, or computer science competitions
• Fluency in French

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.

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