Senior Credit Manager, Business Borrowing

Your day-to-day:

Leading initiatives designing and implementing credit and pricing strategies for our business lending products
Monitoring the performance of our existing strategies, and iterating to improve them
Supporting the design and roll-out of new products and customer journeys
Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
Working with people from engineering, marketing, product, risk and control to design and deliver initiatives
Overseeing the development and monitoring our credit models to forecast cash flows and assess net present value of new lending cohorts
Providing guidance and challenge on credit proposals which will be adopted as Monzo underwriting policy
Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
Promoting a data culture through robust database tables and dashboards that provide insights and support data-driven decisions
Assessing how the lending portfolio of particular products will perform over time
Mentoring and managing a team of credit analysts
You should apply if:

You have strong domain expertise in providing lending products to small businesses
You have a deep understanding of how business lending works, including regulation and industry best practice
You have a solid 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 can bring a dynamic energy to the team, 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
You have experience in project management and leading high performing teams
You work well collaborating in a team with diverse skill-sets and personality types
You have a working understanding of the regulations that apply to lending in the UK
You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo
The Interview Process:

Our interview process involves 4 main stages:

Recruiter Call
Initial Call
Take Home Task
Final stage (x4 interviews) consisting of a case study, role specific, technical leadership, and values interview Read more