Senior Credit Risk Manager, Credit Platform
Level inferred from job title
Job description
Lead the Credit Platform squad at Monzo, owning the shared infrastructure and NPV modelling framework that powers lending decisioning across products and markets, while managing a team of five Credit Analysts.
At a glance
- Employment
- Full-time · Employee (employment agreement)
- Work mode
- Hybrid
- Pay
- GBP 125,400 – 169,600 / year
What you'll do
- 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 retail and business lending products in the UK and new global markets
- Lead the evolution of the infrastructure that supports Monzo's credit valuation capabilities, including the NPV modelling framework, ensuring it is scalable, reliable and enables Product Credit teams to optimise lending economics
- Hire, coach and develop a high-performing team of Credit Analysts, fostering a culture of technical excellence, ownership and continuous improvement
- 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
- 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
What we're looking for
- Technical and strategic credit leader with extensive experience in unsecured lending
- Understands lending economics inside out, with deep experience in NPV modelling and the infrastructure and frameworks that enable effective credit decisioning
- Highly motivated by fast-paced environments, enjoys ambiguity, designing frameworks from scratch, and delivering meaningful change
- Exceptional cross-functional leader who thrives partnering with Engineering, Product, Risk, Machine Learning and Credit teams
- Track record of leading and developing analytical talent
- Strong analytical and data capabilities backed up by technical coding skills (SQL is a must-have)
Nice to have
- Python experience
- Looker experience
Your team
Credit Platform squad
Cross-functional squad bringing together Credit, Product, Engineering and Data expertise to build shared capabilities that power Borrowing across Monzo; builds the shared infrastructure that powers lending decisioning, including core credit valuation (NPV) infrastructure, decisioning capabilities and data foundations.
Benefits
- Role can be based in the London office, with distributed working within the UK (with ad hoc meetings in London)
- Flexible working hours
- Learning budget of £1,000 a year for books, training courses and conferences
How to get hired
- 1Recruiter call
- 2Initial call with the hiring manager
- 3Final loop of interviews meeting key stakeholders
Apply
About Monzo
We're on a mission to make money work for everyone.
Monzo started as a prepaid card and over the last 10 years has grown its product offering in the UK, including personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account and credit cards, with more to come beyond. UK customers can also save, invest and combine their pensions with Monzo.
Key facts
- Banking
- Started as a prepaid card
- Product offering has grown a lot in the last 10 years in the UK
- Offers personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK
- UK customers can save, invest and combine their pensions with Monzo
- Known for hot coral cards and get-paid-early feature
- Financial education on social media and award winning customer service
- Over 90% of day-to-day data-driven decisions are supported through self-serve analytics in Looker
What they value
- We're not about selling products - we want to solve problems and change lives
- Diversity and inclusion are a priority
- Creating an equitable environment for every Monzonaut to thrive