Credit Risk Oversight Manager

Join Monzo, a rapidly growing lending business, as a Credit Risk Oversight Manager. In this role, you will provide support and challenge to our Borrowing teams, analyze data to deliver independent assurance of credit risk management, and collaborate with various stakeholders. You will have a strong background in credit risk management, experience with credit risk scorecards, and a passion for technology. Enjoy flexible working hours, a yearly salary review, and a range of benefits.

Oversight of credit risk management, including analysis of lending product performance and development of monitoring metrics.

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply - even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!

About Monzo

• Are passionate about technology, and what we’re doing here at Monzo excites you!
• Are excited to explore how we can use AI tools to improve our credit and risk management processes
• Have a solid technical toolkit; SQL or similar is a must-have, and experience using a data visualisation tool (such as Looker, PowerBI or Tableau) is a plus

Responsibilities

• Collaboration with first line of defence teams to support credit strategy changes, ensuring alignment with risk appetite.
• Delivery of deep insight, feedback, and challenge on credit strategies, including data-driven analysis and actionable counter-proposals.
• Have proven analytical skills, and can use these to interrogate data, build monitoring and look for early indicators of trends
• Have a track record of building and maintaining trusting relationships with stakeholders, while providing effective and respectful challenge

Requirements

• Can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts

Preferred

• Have a strong background in credit risk management within consumer or small business lending - experience in unsecured product, such as credit cards, loans or overdrafts would be particularly beneficial
• Have hands-on experience and/or understanding of how to use credit risk scorecards and NPV models to develop strategies for making credit decisions

Pay

GBP 79,900 - 95,000