Credit Risk Manager

Requirements

• 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

What the job involves

• 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
• Join a team where your ideas can rapidly transform into reality, leveraging our cutting edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc
• This enables us to solve customer problems in a fast paced and innovative way
• 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