?? We're on a mission to make money work for everyone.
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.
We're looking for a Credit Risk Manager to help drive the credit and growth strategy for our consumer lending products as we grow our business in Ireland.
You will lead a team of analysts responsible for developing the credit and pricing strategies as we bring our products to market across the EU.
Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company.
We're great believers in powerful, real-time analytics and empowerment of the wider business.
All our data lives in one place and is super easy to use.
90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses.
Responsibilities
Lead a team of analysts that will develop credit and pricing strategies for our Borrowing products and distribution channels
Work closely with Borrowing squad leadership to develop and execute an ambitious growth strategy
Collaborate with people from engineering, marketing, product, risk and control to design and deliver new products and customer journeys
Lead the development and maintenance of the NPV models and affordability strategies that underpin the Borrowing underwriting decisions
Monthly monitoring and reporting on Borrowing performance to stakeholders up to executive level
Build, maintain and own the database tables and dashboards that provide insights and promote rapid, data-driven decisions.
Collaborate with the Decision Science team to maximise value from our internal and external data through cutting-edge ML models
Promote a culture of proactive, high quality analysis and ensure we have the right credit capabilities, infrastructure and talent in place to scale safely
Qualifications
You have extensive experience in unsecured lending in Ireland
You have a deep understanding of lending economics and have experience developing and deploying underwriting strategies and credit models.
You have strong analytical and data capabilities, backed up by technical coding skills.
SQL is a must-have, Python and Looker experience is a plus.
You have experience with the development and maintenance of NPV models
You have a strong understanding of the regulations that apply to lending in Ireland.
You have track record leading and developing analytical teams
You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
You are a strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadership.
You have experience in project management and coordination across teams.
You work well collaborating in a team with diverse skill-sets and personality types.
You are highly motivated and energised by the idea of bringing a positive impact to our customers and Monzo.
Location / Working model
?? This role will have a hybrid working model, based in our Dublin office 2 – 3 days a week.
Benefits
? We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.
?? Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)
?? €1,200 learning budget each year to use on books, training courses and conferences.
?? Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%
?? Wellbeing benefits: financial education, women's and men's health support, mental health benefits, including coaching and counselling
Equal Opportunities
Diversity and inclusion are a priority for us and we're making sure we have lots of support for all of our people to grow at Monzo.
At Monzo, we're embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us.
This is integral to our mission of making money work for everyone.
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, or veteran, neurodiversity or disability status.
Equal opportunities for everyone.
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