Senior Manager overseeing enterprise applications and integrations for Canada’s largest K - 12 publisher. Leading technical delivery in a dynamic education environment.
About the role
- Credit Risk Oversight Manager responsible for overseeing credit risk and strategies at Monzo. Collaborating with teams to promote financial wellbeing through effective lending practices.
Responsibilities
- Providing ongoing oversight of credit risk - this includes analysing and understanding the performance of our existing lending products, developing and enhancing monitoring metrics and providing input to relevant committees
- Partnering with our first line of defence teams to support credit strategy changes, including new product launches and pilots, ensuring that we deliver magical lending products for our customers while meeting our risk appetite
- Delivering deep insight, feedback and independent challenge on our credit strategies, as we optimise our decisioning for customers through the lifecycle - including writing clear and insightful opinions to support management decision making
- Leading second line assurance work and thematic reviews
- Collaborating with our model validation and model development teams to ensure understanding of the models that underpin our credit strategies
- Providing credit expertise and input into relevant strategic projects and critical Monzo-wide processes, such as stress-testing and forecasting
- Supporting us in maintaining our Credit Risk Framework and making sure it is well embedded within the business
- Making risk meaningful and interesting to everyone at Monzo, and sharing best practice whilst adapting the language you use to speak about risk so that it is easy for everyone to understand
- Taking a sensitive, balanced approach to risk management, and making sure managing risks becomes part of each first-line person’s day to day work
Requirements
- You have a strong background in credit risk management within consumer or small business lending
- You have proven analytical skills and can use these to interrogate data, build monitoring and look for early indicators of trends
- You have hands-on experience and/or understanding of how to use scorecards and NPV models to develop strategies for making credit decisions
- You have a solid technical toolkit; SQL or similar is a must-have and experience using a data visualisation tool (such as Looker, PowerBI or Tableau) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide)
- You’re impact driven with a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
- You can provide effective challenge, while building strong and respectful relationships
- You’re passionate about technology, and what we are doing here at Monzo excites you!
Benefits
- Flexible working hours
- Home office setup allowance
- Learning budget of £1,000 a year for books, training courses and conferences
- Stock options
- And much more, see our full list of benefits here
Job title
Job type
Experience level
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Degree requirement
Tech skills
Location requirements
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