Head of Financial Health (EU)
You will report directly to the Head of Borrowing, EU and work closely with the Director of Financial Health, UK.
You will lead the Financial Health initiatives in the EU and act as the FinHealth lead in Europe, collaborating with the UK FinHealth team to deliver policies, strategies and analytics used to support customers in financial difficulties with Monzo.
Partner with operations, tech and credit risk leadership to deliver on a robust financial health strategy, balancing good customer outcomes whilst mitigating credit loss.
This includes the whole arrears lifecycle, pre-arrears, collections and recoveries, across our lending products in the EU.
Working with the broader FinHealth team to ensure the effective delivery and localisation of FinHealth capabilities for European markets, aligning with local regulatory requirements and customer needs
Acting as the primary FinHealth lead in Europe by navigating the complex regulatory landscape of the European Union, ensuring our practices remain within risk appetites and comply with regional regulations
Owning Collections and Recoveries outcomes, balancing good customer outcomes with strong portfolio performance
Supporting our product and tech squads in shaping in-app journeys and features that support customers facing financial difficulties, ensuring alignment with broader Monzo strategies
Working with Operations to implement collections processes consistent with prescribed strategy
Working with a team of data analysts to extract insights into customer behaviour and financial performance, optimising our financial health strategies
Qualifications
You have direct experience leading collections & recoveries strategies or products for a regulated lender in a European context
Strong understanding of the critical role collections & recoveries play within the credit risk strategy of a lending business
Deep knowledge of European consumer credit regulations and how they differ across member states
Adaptability and ability to thrive in a fast-moving, dynamic company environment
Benefits
Hybrid working model, based in our Dublin office
Flexible working hours
Annual leave – 34 days including public holidays
Learning budget: €1,200 per year for training
Pension scheme – minimum contribution 4%, company match up to 6%
Wellbeing benefits: financial education, health support, mental health resources, coaching and counselling
Equal opportunities
We're an equal opportunity employer.
All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or disability status.
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