Senior Credit Risk Manager, Credit Platform
About the role
Lead the Credit Platform at Monzo, shaping the shared infrastructure for lending decisioning and credit valuation, and managing a team of Credit Analysts to deliver scalable, high-impact credit capabilities across UK and global markets.
Responsibilities
- 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
- 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).
Skills
Benefits
- Relocation to the UK assistance
- Visa sponsorship
- Flexible working hours
- Learning budget of £1,000 a year for books, training courses and conferences
- And more benefits listed on the careers page
About Monzo Bank
A bank as smart as your phone.
YC has written a good overview of our business on their blog: https://blog.ycombinator.com/monzo-makes-money-work-for-everyone/ Our mission is to make money work for everyone. We are the UK's leading digital bank for individuals and businesses, reinventing the traditional banking industry one customer at a time. We're relentlessly mission driven and always put our customers first - from what products we chose to launch next to our transparency and use of simple language. With a Net Promoter Score of 70+, it shows. From our founding in 2015, we now have over 7 million customers in the UK (13% of UK adults) and are building out our team in the US. We've seen incredible organic growth, acquiring 150,000 customers / month in 2022, with 80% of this coming from word of mouth. Our weekly active user rate is ~60% and ~40% of our active users use us as their Main Bank account, showing that we are a product that is embedded in our users' daily lives. We've grown to ~2,450 staff (~400 of which make up the product/tech team), and are backed by YC, Stripe, Tencent, Mike Moritz, and others. Internally, we encourage an open, collaborative, and inclusive working environment - we were voted the #1 startup where people in the UK want to work for the second year running in 2022. We contribute to open source software, and we continually engage with our wonderful community. We're hiring talented, creative problem-solvers to help us build the bank of the future. Join us!
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