Monzo - Credit Risk Director, Business Borrowing

• As the size of our Business Banking customer base continues to grow, we are building out lending products to support our customers' funding needs. We aim to create a genuine feel-good factor when it comes to business credit, and are looking to build a team of driven, analytical and creative individuals to help us achieve this goal. • With your experience of developing credit risk strategies specifically for small and medium enterprises and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will lead a team of credit analysts and managers and play a pivotal role in refining our credit and pricing strategies, particularly as we introduce new lending products to the market. You will work with colleagues across Monzo to make sure we are building profitable lending portfolios and amazing products for our customers. • 🔑 You’ll play a key role by… • Leading a team designing and implementing credit and pricing strategies for our business lending products • Monitoring the performance of our existing strategies, and iterating to improve them • Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk • Supporting the design and roll-out of new products and customer journeys, while working together with people from engineering, marketing, product, risk and control to achieve this • Providing leadership across our Business Banking and Borrowing Collectives. • Be a member of the Borrowing Leadership Team which drives Monzo's overall borrowing strategy • 🤩 We’d love to hear from you if… • You have strong domain expertise in providing lending products to small businesses • You have a track record leading analytical credit teams • You have a deep understanding of how business lending works, including regulation and industry best practice • You are passionate about customers and understand the role credit strategies and policies play in customer outcomes • You’re comfortable balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes) • You have strong analytical and data capabilities, backed up by technical coding skills • 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 clear communicator, able to cut through complex problems and articulate decision points • You work well collaborating in a team with diverse skill-sets and personality types • You are comfortable working in a fast-moving and changing company • 🧠 The Interview Process: • Our interview process involves 4 main stages: • Final stage (x3 interviews) consisting of a leadership, role specific and a values and collaboration interview • Our average process takes around 4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process. Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason.