Monzo
Credit Risk Manager, Flex Originations
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
- Drive Distribution Strategy: Develop and execute the credit risk frameworks for new and expanding acquisition channels, including aggregator sites, paid marketing and referral networks.
- Optimise the Customer Journey: Design, test, and deploy sophisticated underwriting and real-time decisioning strategies that balance a seamless, low-friction customer onboarding experience with robust risk management.
- Shape Product & Pricing Economics: Own the risk architecture for complex commercial propositions, evaluating the risk-reward profiles of promotional 0% offers, introductory features, and dynamic pricing structures.
- Champion Economic Modelling: Oversee or partner closely on credit risk valuations (including NPV modelling and affordability strategies) to ensure our underwriting decisions are grounded in highly optimized lending economics.
- Lead and Scale a High-Performing Team: Hire and develop a lean team of elite analysts as we expand, fostering a culture of technical excellence, accountability and commercial impact.
Qualifications
Required Qualifications
- You are a commercial, strategic credit leader with extensive experience in unsecured lending—ideally with a background in credit cards.
- You understand lending economics inside out, including experience with risk-based pricing, promotional lending constructs and underwriting strategies.
- You have a track record of driving growth through varied distribution networks (e.g., aggregators or digital marketing channels) and appreciate the unique risk profiles they carry.
- You are an exceptional stakeholder manager who thrives when collaborating across diverse disciplines, seamlessly aligning Product, Marketing, Fraud, and Machine Learning teams behind a unified goal.
- You have a track record of leading and developing analytical talent, and you are excited by the prospect of building and scaling a small, high-impact team.
- 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 are highly motivated by fast-paced, “zero-to-one” environments—you enjoy navigating ambiguity, designing frameworks from scratch, and shipping meaningful changes to millions of customers.
Skills & Technologies
AgileMachine LearningSQLPython
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