Monzo
Credit Risk Manager, Portfolio Management
USARemotePosted 3 days ago
Full TimeSeniorRemoteUS
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Job Description
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
Key Highlights
- Own Portfolio Monitoring & Forecasting: Build and oversee robust performance frameworks to monitor and forecast both risk and revenue metrics, ensuring our rapidly growing portfolio scales sustainably.
- Drive Contractual Pricing Strategies: Architect and optimise an ongoing risk-based pricing program that balances commercial viability and fair customer outcomes.
- Fuel Engagement & Retention Loops: Design and deploy sophisticated credit strategies for lifecycle events, including product upgrades, engagement incentives, and balance transfer propositions that deepen customer loyalty.
- Execute Data-Driven Loss Mitigation: Develop proactive risk management frameworks—such as credit limit decrease strategies—to safely mitigate losses and support financially vulnerable customers.
- Lead and Nurture Talent: Manage, coach, and scale a high-performing team of 3 credit analysts, fostering a culture of technical excellence, continuous learning, and strong commercial focus.
Qualifications
Required Qualifications
- You are a commercial, strategic credit leader with a deep understanding of unsecured lending portfolios—ideally with exposure to credit card lifecycle management.
- You thrive in ambiguous, “zero-to-one” environments. You love building strategies from scratch, questioning traditional banking norms, and working at pace.
- You have portfolio management experience, including risk-based pricing, retention, product upgrades, and loss mitigation strategies.
- You are a champion for both Credit and Conduct Risk. You naturally balance sharp credit instincts with a passion for protecting customers and delivering delightful experiences.
- You are an exceptional stakeholder manager and storyteller. You can smoothly collaborate with engineering squads, align with legal and compliance partners, and influence up to executive leadership.
- You love developing people. You have a proven track record of leading analytical talent and are energized by the prospect of managing and growing a high-impact team.
- You have strong technical and data capabilities. You are comfortable digging into data yourself and driving a data-first culture (SQL is a must-have; Python and Looker experience is a plus).
Skills & Technologies
AgileSQLPython
About the Company
Monzo
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Job Details
Employment Type
Full Time
Experience Level
Senior
Location
USA
Work Mode
Remote
Posted
3 days ago
Country
US