Credit Risk Manager (Portfolio Management)

Join Monzo, a rapidly growing digital bank, as a Credit Risk Manager. In this role, you will lead a team of credit analysts and drive portfolio management strategies for our innovative Flex product. You will have the opportunity to shape the future of personal credit and make a positive impact on customer experiences.

• Lead and manage a team of credit analysts to unlock P&L and customer engagement potential on a rapidly growing portfolio.
• Build and oversee robust performance frameworks to monitor and forecast both risk and revenue metrics, ensuring sustainable portfolio growth.
• Architect and optimize an ongoing risk-based pricing program that balances commercial viability and fair customer outcomes.
• You love developing people. You have a proven track record of leading analytical talent and are energized by the prospect of managing and growing a high-impact team
• You have strong technical and data capabilities. You are comfortable digging into data yourself and driving a data-first culture (SQL is a must-have; Python and Looker experience is a plus)
• You have portfolio management experience, including risk-based pricing, retention, product upgrades, and loss mitigation strategies
• You are an exceptional stakeholder manager and storyteller. You can smoothly collaborate with engineering squads, align with legal and compliance partners, and influence up to executive leadership
• You are a commercial, strategic credit leader with a deep understanding of unsecured lending portfolios—ideally with exposure to credit card lifecycle management
• You are a champion for both Credit and Conduct Risk. You naturally balance sharp credit instincts with a passion for protecting customers and delivering delightful experiences
• You thrive in ambiguous, "zero-to-one" environments. You love building strategies from scratch, questioning traditional banking norms, and working at pace