Senior Credit Manager, Business Borrowing

Job Description

• Leading initiatives in designing and implementing credit and pricing strategies.
• Monitoring the performance of existing strategies and iterating for improvement.
• Supporting the design and roll-out of new products and customer journeys.
• Improving credit underwriting, boosting growth, and managing portfolio risk.
• Collaborating with engineering, marketing, product, risk, and control teams.
• Overseeing the development and monitoring of credit models.
• Providing guidance on credit proposals for Monzo's underwriting policy.
• Promoting a data culture through robust database tables and dashboards.
• Assessing the lending portfolio performance of particular products.
• Mentoring and managing a team of credit analysts.

• Strong domain expertise in providing lending products to small businesses.
• Deep understanding of business lending, including regulation and industry best practice.
• Solid understanding of lending economics and experience in developing underwriting strategies and credit models.
• Strong analytical and data capabilities, with technical coding skills (SQL is a must-have, Python and Looker experience is a plus).
• Strong communication skills, able to articulate decision points.
• Experience in project management and leading high-performing teams.
• Ability to collaborate in a team with diverse skill-sets and personality types.
• Working understanding of UK lending regulations.
• High motivation to bring positive impact to customers and Monzo.

• Salary range of £119,000 to £161,000 plus stock options and benefits.
• Relocation assistance to the UK.
• Visa sponsorship.
• Flexible working hours.
• Learning budget of £1,000 per year.