Senior Credit Risk Manager, Credit Platform

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🔥 5 minutes ago

🇬🇧 United Kingdom – Remote

💵 £125.4k - £169.6k / year

⏰ Full Time

🟠 Senior

👔 Manager

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Monzo Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2015

🏦 Banking

💳 Fintech

👥 B2C

Banking • Fintech • B2C

Monzo Bank is a digital bank based in the UK, known for its innovative app offering a wide range of personal banking services. It provides features such as fee-free spending abroad, automatic bill sorting, early salary payments, and round-up savings. Monzo offers various account types, including joint accounts, under 16s accounts, and savings pots with competitive interest rates. Customers can manage savings, investments, and pensions directly through the app, along with credit and loan options. Monzo emphasizes strong security features and customer support, making banking easy and accessible for its users.

📋 Description

• 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.

🎯 Requirements

• 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).

🏖️ 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