[Hiring] Senior Credit Risk Manager @Monzo

Role Description

Our Borrowing (lending) business is growing rapidly across both our existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and we’re looking for driven, analytical and creative individuals to help us achieve this goal.

Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Credit Platform is a cross-functional squad bringing together Credit, Product, Engineering and Data expertise to build shared capabilities that power Borrowing across Monzo.

How you’ll contribute:

• Shape our Credit Platform: Define the roadmap for Monzo's Credit Platform, evolving the shared infrastructure that enables Product Credit teams to develop, evaluate and deploy lending strategies across our retail and business lending products in the UK and new global markets.
• Build Credit Valuation Infrastructure: Lead the evolution of the infrastructure that supports Monzo's credit valuation capabilities, including our NPV modelling framework, ensuring it is scalable, reliable and enables Product Credit teams to optimise lending economics.
• Lead and Develop a High-Performing Team: Hire, coach and develop a high-performing team of Credit Analysts, fostering a culture of technical excellence, ownership and continuous improvement while delivering platform capabilities with broad organisational impact.
• Partner Across Monzo: Work closely with Credit, Engineering, Product, Machine Learning, Data and Risk teams to build platform capabilities that accelerate experimentation, simplify strategy deployment and improve the speed and quality of credit decisioning.
• Influence Through Technical Leadership: Represent the Credit Platform across Monzo, translating complex technical concepts into clear recommendations for senior leaders and helping shape the future direction of our lending platform.

Qualifications

• What we’re doing here at Monzo excites you!
• You are a technical and strategic credit leader with extensive experience in unsecured lending.
• You understand lending economics inside out, with deep experience in NPV modelling and the infrastructure and frameworks that enable effective credit decisioning.
• You are highly motivated by fast-paced environments, enjoy ambiguity, designing frameworks from scratch, and delivering meaningful change.
• You are an exceptional cross-functional leader who thrives when partnering with Engineering, Product, Risk, Machine Learning and Credit teams to deliver shared platform capabilities.
• You have a track record of leading and developing analytical talent, and you are excited by the prospect of leading a high-impact team.
• You have strong analytical and data capabilities backed up by technical coding skills (SQL is a must-have; Python and Looker experience is a plus).

Requirements

• Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!
• Recruiter call
• Initial call with the hiring manager
• Final loop of interviews meeting key stakeholders
• Our average process takes around 3-4 weeks but we will always work around your availability.

Benefits

• We can help you relocate to the UK
• We can sponsor visas
• This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).
• We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.
• Learning budget of £1,000 a year for books, training courses and conferences
• And much more, see our full list of benefits here

Equal Opportunity Statement

We are actively creating an equitable environment for every Monzonaut to thrive. Diversity and inclusion are a priority for us and we are making sure we have lots of support for all of our people to grow at Monzo. At Monzo, embracing diversity in all of its forms and fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone.

We're an equal opportunity employer. All applicants will be considered for employment without attention to ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status or disability status.