Credit Risk Manager

About the teamOur 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 Credit 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. You'll play a key role byWorking closely with Borrowing squad leadership to develop and execute an ambitious growth strategyCollaborating with people from engineering, marketing, product, risk and control to design and deliver new products and customer journeysLeading the development and maintenance of the NPV models and affordability strategies that underpin the Borrowing underwriting decisionsMonthly monitoring and reporting on Borrowing performance to stakeholders up to executive levelCollaborating with the Decision Science team to maximise value from our internal and external data through cutting-edge ML modelsPromoting a culture of proactive, high quality analysis and ensure we have the right credit capabilities, infrastructure and talent in place to scale safelyYou should apply ifWhat we’re doing here at Monzo excites you!You have extensive experience in unsecured lending in IrelandYou have a deep understanding of lending economics and have experience developing and deploying underwriting strategies and credit modelsYou have strong analytical and data capabilities, backed up by technical coding skills. SQL, Python and Looker experience is a plusYou have experience with the development and maintenance of NPV modelsYou have a strong understanding of the regulations that apply to lending in IrelandYou thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customersYou are a strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadershipYou have experience in project management and coordination across teamsYou work well collaborating in a team with diverse skill-sets and personality typesYou are highly motivated and energised by the idea of bringing a positive impact to our customers and MonzoWhat’s in it for youA salary range of €93,500 - €114,000 + Incentive Awards tied to your performanceThis role will have a hybrid working model, based in our Dublin office 3 days a week. You will also travel to Monzo’s head office in London from time to timeWe offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your teamAnnual 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 conferencesPrivate healthcare schemePension 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