• Partnering with our first line of defence teams to support credit strategy changes - including new product launches and pilots - ensuring that we deliver magical lending products for our customers while meeting our Risk Appetite
• Delivering deep insight, feedback and challenge on our credit strategies - including data-driven analysis and actionable counter-proposals - to support management decision making and shaping better outcomes for our customers
• Leading second line assurance work on thematic reviews
• Collaborating with our model validation and model development teams to ensure understanding of the models that underpin our credit strategies
• Providing credit expertise and input into relevant strategic projects and critical Monzo-wide processes, such as stress-testing and forecasting
• Supporting us in maintaining our Credit Risk Framework and making sure it is well embedded within the business
• Taking a balanced and proportionate approach to risk management, making sure that managing risks becomes part of everyone at Monzo’s day-to-day role

🤩 We’d love to hear from you if you …

• 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 proven analytical skills, and can use these to interrogate data, build monitoring and look for early indicators of trends
• Have hands-on experience and/or understanding of how to use credit risk scorecards and NPV models to develop strategies for making credit decisions
• 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
• Are excited to explore how we can use AI tools to improve our credit and risk management processes
• 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
• Have a track record of building and maintaining trusting relationships with stakeholders, while providing effective and respectful challenge
• Are passionate about technology, and what we’re doing here at Monzo excites you!
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