Credit Risk Oversight Manager

• Join Monzo’s second-line Credit Risk Oversight team as a Credit Risk Oversight Manager. • Provide independent support and challenge to Borrowing teams to help Monzo grow safely. • Analyse data to assure credit risk management across the full lending lifecycle. • Help shape new lending products and pilots while keeping within Risk Appetite. • Explore how AI tools can improve credit and risk management. • Earn £79,900–£95,000 plus incentives, working remotely from anywhere in the UK.

• Bring a strong background in credit risk management for consumer or small business lending. • Use analytical skills to interrogate data, build monitoring and spot early trends. • Understand how credit risk scorecards and NPV models shape credit decision strategies. • Write SQL or a similar language confidently. • Feel excited to use AI tools in credit and risk processes. • Explain complex issues clearly and simply to non-experts. • Build trusting relationships while giving effective, respectful challenge. • Be based in the UK.

• Bring experience with unsecured products such as credit cards, loans or overdrafts. • Use data visualisation tools such as Looker, Power BI or Tableau. • Show experience of how credit portfolios perform across different stages of the credit cycle. • Bring experience supporting stress testing or credit forecasting.

• Oversee credit risk by analysing lending product performance and improving monitoring metrics. • Provide input to relevant committees and forums. • Support credit strategy changes, including new product launches and pilots. • Deliver data-driven insight, challenge and counter-proposals on credit strategies. • Lead second-line assurance work on thematic reviews. • Work with model validation and development teams to understand the models behind credit strategies. • Contribute credit expertise to stress testing, forecasting and strategic projects. • Help maintain and embed the Credit Risk Framework across Monzo.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £79,900–£95,000 plus performance-linked incentive awards. • Work remotely from anywhere in the UK, with ad hoc meetings in London. • Enjoy flexible working hours at times that suit you and your team. • Get a MacBook and extra support for your home office setup. • Get a £1,000 annual learning budget for books, courses and conferences.

Monzo is on a mission to make money work for everyone, replacing the confusing ways of traditional banking. Starting as a prepaid card, it now offers personal and business accounts, joint and kids’ accounts, credit, savings, investments and pensions in the UK. Its Borrowing business is growing rapidly, and its Credit Risk Oversight team provides independent challenge to help Monzo lend safely.