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Join Monzo as a Senior Credit Risk Manager and lead the development of their Credit Platform, based in the UK with options for remote work. Monzo is a forward-thinking digital bank dedicated to making money work for everyone by simplifying traditional banking and offering innovative financial products. This role is part of a dynamic team focused on enhancing lending capabilities and driving credit strategy across various markets. In this role, you will oversee the Credit Platform squad, which designs and builds the infrastructure that supports lending decisioning at Monzo. You will manage the credit valuation models, including the net present value (NPV) framework, and lead a team of Credit Analysts to deliver scalable, reliable credit solutions.
Collaborating closely with cross-functional teams such as Engineering, Product, Data, and Risk, you will help accelerate experimentation and improve credit decision speed and quality. To succeed, you should bring extensive experience in unsecured lending and a deep understanding of lending economics, particularly NPV modelling. Strong technical skills in SQL are essential, with Python and data visualization tools like Looker considered advantageous. You thrive in fast-paced, ambiguous environments and excel at leading analytical teams while partnering effectively across departments. This is a full-time role offering flexible working hours within the UK. London is a major financial hub where digital banking continues to expand rapidly, making this position critical in shaping Monzo's competitive lending offerings. The role provides an opportunity to influence credit infrastructure at scale and contribute to a mission-driven company that values innovation and inclusivity. The salary range for this position is £125,400 to £169,600, complemented by performance-related incentive awards and a £1,000 annual learning budget. Monzo also supports visa sponsorship and relocation within the UK, offering a comprehensive benefits package and a flexible working environment. When applying, highlight your leadership in credit risk management and your hands-on experience with credit valuation frameworks. Demonstrate your ability to translate complex technical concepts into actionable business strategies and quantify your impact on lending portfolios. If you are passionate about transforming credit risk management and want to drive innovation in UK digital banking, consider this Senior Credit Risk Manager role at Monzo. The company welcomes applicants who value diversity and inclusion and offers equal opportunities for all qualified candidates.
EssentialNice to have below
Performance incentive awards, £1,000 annual learning budget, flexible working hours, visa sponsorship, relocation support, comprehensive benefits package
Monzo is a UK-based digital bank focused on simplifying banking and providing innovative financial products for personal and business customers.
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FAQs
What experience is required for the Senior Credit Risk Manager role at Monzo in London?
Candidates should have extensive experience in unsecured lending and credit risk management, with strong skills in NPV modelling and SQL.
Is remote work available for this Senior Credit Risk Manager position?
Yes, this role offers flexible working options, including remote work within the UK, with occasional meetings in London.
What is the salary range for the Senior Credit Risk Manager at Monzo?
The salary ranges from £125,400 to £169,600, plus incentive awards based on performance.
What does the interview process for this role involve?
The interview process includes a recruiter call, an initial call with the hiring manager, and a final round of interviews with key stakeholders.
Does Monzo provide visa sponsorship and relocation assistance?
Yes, Monzo supports visa sponsorship and can assist with relocation to the UK for this role.
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