Lending Solutions Expert

3 days ago


Cardiff, Cardiff, United Kingdom Monzo Full time

Monzo's Lending Solutions Expert: A Job Description

We're seeking a highly skilled Credit Risk Business Manager to join our team. As a key member of our lending solutions team, you'll be responsible for designing and implementing credit and pricing strategies for our business lending products.

About the Role:

  • You'll lead initiatives to design and implement credit and pricing strategies for our business lending products
  • Monitor the performance of our existing strategies, and make recommendations for improvement
  • Collaborate with cross-functional teams to design and deliver initiatives that drive business growth and improve portfolio risk
  • Develop and monitor credit models to forecast cash flows and assess net present value of new lending cohorts
  • Communicate complex ideas effectively to stakeholders, using data-driven insights to inform business decisions
  • Build and maintain database tables and dashboards that provide actionable insights and promote data-driven decision making

You'll Be Successful If:

  • You have a deep understanding of business lending, including regulation and industry best practice
  • 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 have excellent communication skills, able to cut through complex problems and articulate decision points
  • You have some experience in project management and coordination across teams
  • You are a strong collaborator, able to work well 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 passionate about bringing positive impact to our customers and Monzo

Salary: An estimated £92,000 to £127,000 + stock options + benefits

Benefits: Flexible working hours, relocation support, visa sponsorship, learning budget, and more



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