Credit Risk Director

Monzo · Cardifflead

In short

▸Liderar el riesgo crediticio para préstamos a pymes en Monzo.
▸Diseñar estrategias de crédito y pricing, liderar un equipo de analistas y colaborar con tech y producto.
▸Destacado: ser parte del equipo directivo de préstamos con impacto en productos innovadores.

Fluent in English

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What they ask for

✓Experiencia sólida en préstamos a pymes (sole traders y empresas limitadas)
✓Liderazgo de equipos de análisis de riesgo crediticio
✓Conocimiento profundo de toma de decisiones automatizadas en crédito
✓Historial de desarrollo de estrategias de riesgo y precios para productos de préstamo
✓Capacidad para colaborar con equipos de producto, ingeniería y control
✓Experiencia en gestión de cartera y mitigación de riesgos crediticios

Don't tick every box? That's normal — your free dossier shows your gaps and how to cover them in the interview.

Credit Risk ManagementAutomated DecisioningCredit UnderwritingPricing StrategiesPortfolio Risk ManagementProduct DesignData AnalysisRisk ControlsCross-functional CollaborationLeadership in Borrowing

Who should you write to at Monzo?

Your free dossier identifies the people who'd interview you — their background, what they value, and how to reach out so you stand out before applying.

🚀 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) | 💰 £165,000 - £200,000 + Incentives tied to your performance + Benefits | Data Team, Borrowing ⭐About our Borrowing team: Our Borrowing (lending) team is growing and we’re looking for a Director to build and lead our credit risk function for lending to our business banking customers. The ideal candidate should have in-depth knowledge of lending to small and medium size sole traders and limited companies, automated decisioning and Credit Risk Management activities. As the size of our Business Banking customer base continues to grow, we are building out lending products to support our customers' funding needs. We aim to create a genuine feel-good factor when it comes to business credit, and are looking to build a team of driven, analytical and creative individuals to help us achieve this goal. With your experience of developing credit risk strategies specifically for small and medium enterprises and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will lead a team of credit analysts and managers and play a pivotal role in refining our credit and pricing strategies, particularly as we introduce new lending products to the market. You will work with colleagues across Monzo to make sure we are building profitable lending portfolios and amazing products for our customers. 🔑 You’ll play a key role by… • Leading a team designing and implementing credit and pricing strategies for our business lending products • Monitoring the performance of our existing strategies, and iterating to improve them • Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk • Supporting the design and roll-out of new products and customer journeys, while working together with people from engineering, marketing, product, risk and control to achieve this • Providing leadership across our Business Banking and Borrowing Collectives. • Be a member of the Borrowing Leadership Team which drives Monzo's overall borrowing strategy 🤩 We’d love to hear from you if… • You have strong domain expertise in providing lending products to small businesses • You have a track record leading analytical credit te

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