Credit Risk Manager, EU

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍Dublin, Ireland | 💰 €108,000 - €132,000 + Incentive Awards tied to your performance ➕ benefits

⭐ About the team

Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

We’re looking for a Credit Risk Manager to help drive the credit and growth strategy for our consumer lending products as we grow our business in Ireland. You will lead a team of analysts responsible for developing the credit and pricing strategies as we bring our products to market across the EU.

Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses.

Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way.

🔑You'll play a key role

Lead a team of analysts that will develop credit and pricing strategies for our Borrowing products and distribution channels

Work closely with Borrowing squad leadership to develop and execute an ambitious growth strategy

Collaborate with people from engineering, marketing, product, risk and control to design and deliver new products and customer journeys

Lead the development and maintenance of the NPV models and affordability strategies that underpin the Borrowing underwriting decisions

Monthly monitoring and reporting on Borrowing performance to stakeholders up to executive level

Build, maintain and own the database tables and dashboards that provide insights and promote rapid, data-driven decisions.

Collaborate with the Decision Science team to maximise value from our internal and external data through cutting-edge ML models

Promote a culture of proactive, high quality analysis and ensure we have the right credit capabilities, infrastructure and talent in place to scale safely

🤩 You should apply if

What we’re doing here at Monzo excites you!

You have extensive experience in unsecured lending in Ireland

You have a deep understanding of lending economics and have experience developing and deploying underwriting strategies and credit models.

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.

You have experience with the development and maintenance of NPV models

You have a strong understanding of the regulations that apply to lending