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.
As a Credit Risk Manager at Monzo, you will play a key role in driving the credit and growth strategy for our consumer lending products as we grow our business in Ireland.
You'll work closely with Borrowing squad leadership to develop and execute an ambitious growth strategy. You'll collaborate with people from engineering, marketing, product, risk, and control to design and deliver new products and customer journeys.
Your responsibilities include:
- Leading the development and maintenance of NPV models and affordability strategies that underpin Borrowing underwriting decisions
- Monthly monitoring and reporting on Borrowing performance to stakeholders up to executive level
- Collaborating with the Decision Science team to maximise value from internal and external data through cutting-edge ML models
- Promoting a culture of proactive, high-quality analysis
Requirements:
- Extensive experience in unsecured lending in Ireland
- Deep understanding of lending economics and experience developing and deploying underwriting strategies and credit models
- Strong analytical and data capabilities, backed up by technical coding skills (SQL, Python, and Looker experience is a plus)
- Experience with NPV models
- Strong understanding of regulations that apply to lending in Ireland
- Excellent communication skills
We offer:
- Salary range of €93,500 - €114,000 + Incentive Awards tied to your performance
- Hybrid working model, based in our Dublin office 3 days a week
- Flexible working hours
- Annual Leave - 34 days including public holidays
- €1,200 learning budget each year
- Private healthcare scheme
- Pension scheme
- Wellbeing benefits