Senior Credit Risk Manager, Credit Platform

• Lead the Credit Platform squad, which builds the shared infrastructure powering lending decisioning across Monzo. • Own the core credit valuation (NPV) infrastructure, decisioning capabilities, and data foundations that let Product Credit teams develop, evaluate, and deploy lending strategies. • Lead a team of five Credit Analysts, shaping how the platform evolves. • Push the boundaries to unlock the next generation of lending capabilities and drive efficiencies. • Sit at the heart of delivering consistent, scalable credit capabilities globally as Monzo scales internationally. • Work in a cross-functional squad bringing together Credit, Product, Engineering, and Data expertise. • Work from the London office or anywhere in the UK, with occasional ad hoc meetings in London.

• Bring technical and strategic credit leadership with extensive experience in unsecured lending. • Understand lending economics inside out, with deep experience in NPV modelling and the infrastructure and frameworks behind effective credit decisioning. • Stay motivated by fast-paced environments, enjoying ambiguity, designing frameworks from scratch, and delivering meaningful change. • Lead exceptionally across functions, partnering with Engineering, Product, Risk, Machine Learning, and Credit teams to deliver shared platform capabilities. • Bring a track record of leading and developing analytical talent. • Bring strong analytical and data capabilities backed by technical coding skills, with SQL as a must-have.

• Bring Python experience alongside SQL. • Have worked with Looker, which supports over 90% of day-to-day data decisions at Monzo through self-serve analytics. • Have built credit infrastructure for multiple markets rather than a single jurisdiction. • Have worked across both retail and business lending products. • Use a preferred name to apply, as Monzo does not need full or birth names at application stage.

• Define the roadmap for Monzo's Credit Platform, evolving the shared infrastructure behind retail and business lending in the UK and new global markets. • Lead the evolution of the credit valuation infrastructure, including the NPV modelling framework, keeping it scalable and reliable. • Hire, coach, and develop a high-performing team of Credit Analysts, fostering technical excellence, ownership, and continuous improvement. • Work closely with Credit, Engineering, Product, Machine Learning, Data, and Risk teams to build capabilities that accelerate experimentation and simplify strategy deployment. • Improve the speed and quality of credit decisioning across the business. • Represent the Credit Platform across Monzo, translating complex technical concepts into clear recommendations for senior leaders.

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 £125,400 to £169,600 plus incentive awards tied to your performance. • Get help relocating to the UK if you need it. • Get visa sponsorship, which Monzo offers for this role. • Work from the London office or anywhere in the UK, with only ad hoc meetings in London. • Set your own hours, with Monzo trusting you to work enough to do the job well at times that suit you and your team. • Spend a £1,000 annual learning budget on books, training courses, and conferences. • Go through a three-stage process taking around three to four weeks, with no brain teasers or trick questions. • Contact [email protected] with any questions ahead of speaking to the recruitment team.

Monzo is on a mission to make money work for everyone, moving away from the complicated and confusing ways of traditional banking. Starting as a prepaid card, it now offers personal and business bank accounts, joint accounts, accounts for 16 to 17 year olds, a free kids account, and credit cards in the UK, alongside saving, investing, and pension consolidation. The Borrowing business is growing rapidly across existing products and new initiatives, supported by real-time analytics where all data lives in one place and self-serve tooling covers most day-to-day decisions.