Credit Model Validation Manager (Machine Learning & NPV Models)

Monzo·Cardiffmid

In short

→Gestiona la validación independiente de modelos de crédito, incluyendo ML y NPV, para decisiones de préstamo.
→Trabajas con modelos de riesgo crediticio, estrategia de bajo, impuestos IFRS9 y análisis de desempeño en tiempo real.
→Destaca por liderar validación técnica profunda en un entorno de crecimiento rápido y alta responsabilidad.

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What they ask for

✓Experiencia en validación o desarrollo de modelos de riesgo crediticio en servicios financieros.
✓Habilidades sólidas en análisis de datos y estadística aplicada.
✓Experiencia práctica con Python para modelado, validación o análisis de ML.
✓Conocimiento profundo de modelos de decisión crediticia (scorecards, PD, NPV).
✓Capacidad para desafiar y mejorar modelos con enfoque independiente.
✓Experiencia en IFRS9, stress testing o modelos de respuesta económica (deseable).

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PythonMachine LearningStatistical ModelsCredit Risk ModellingIFRS9Stress TestingEconomic Response ModelsModel ValidationNet Present Value (NPV)Credit Decisioning Models

Who should you write to at Monzo?

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🚀 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) | 💰 £79,000 - £93,000 + Incentive Awards tied to your performance + Benefits 🌟 About the team: Our Borrowing (lending) business is growing rapidly across both existing products and with the planned launch of new initiatives. As our lending portfolio grows, our second line of defence Credit Model Validation team is growing with it - and we’re looking for a Credit Model Validation Manager to join us! Our Credit Model Validation team is crucial in providing independent oversight and challenge to our model development teams in the first line of defence to help Monzo grow safely and ensure that the models we use deliver good outcomes for our customers. We’re looking for someone (maybe you?!) to join our validation squad and provide expert independent validation and oversight across our suite of credit models, covering critical business disciplines such as credit strategy and impairment. You’ll have a particular focus on models used for customer-level decisioning and defining our credit strategies - such as underwriting scorecards, origination PD models and Net Present Value (NPV) / unit economics models - across all our lending products. Strong data and analytical skills are a must, as is deep expertise in credit risk modelling. You’ll have hands-on experience in either model validation or model development within a financial services environment, including practical experience using Python to develop, validate or analyse machine learning and statistical models. . In-depth knowledge of credit decisioning models would be a strong plus. 🔑 You’ll play a key role by… • Leading hands-on independent validation of models used for credit decisioning within our Borrowing strategies - covering a range of machine learning, decision science and NPV models. You will be ensuring that models are fit for purpose, appropriately governed, explainable and performing as expected • Supporting oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response models • Developing deep understanding of Monzo’s credit models, and using this to provide impactful input and challenge to model developers to improve our modelling capabilities • Reviewing ongoing model performance monitoring to ensure our lending models perform within our risk thresholds, and providing support to our first line of defence teams when action is required • Performing statistical analys

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