Credit Risk Manager, Portfolio Management

🚀 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 ❤️

📍London or Remote (UK) | 💰£100,000 - £130,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing

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.

With our Flex product we’re reinventing credit cards to give customers more visibility and control over their spending. With our Flex product, we’re reinventing credit cards to give customers more visibility and control over their spending. Flex portfolio management is currently in its infancy—meaning this role is a true "zero-to-one" blank canvas. Flex behaves differently from a standard credit card, so we are looking for a highly strategic Credit Risk Manager who can challenge legacy banking assumptions, think from first principles, and put the customer at the heart of our lifecycle strategies.

You will lead an initial team of 3 credit analysts (with scope to grow the team over time) to unlock massive P&L and customer eng