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Salary: EUR 93,500 - 114,000 / annual
Monzo is a fintech company on a mission to make money work for everyone, offering personal and business bank accounts, credit cards, savings, investments, and pensions primarily in the UK with expansion into the EU.
The Borrowing (lending) business is growing rapidly across existing products and planned new initiatives. You will lead a team of analysts responsible for developing credit and pricing strategies as Monzo brings lending products to market across the EU, with an initial focus on Ireland.
Key responsibilities include:
- Working closely with Borrowing squad leadership to develop and execute ambitious growth strategy
- Collaborating with engineering, marketing, product, risk, and control teams to design and deliver new products and customer journeys
- Leading development and maintenance of NPV models and affordability strategies that underpin underwriting decisions
- Monthly monitoring and reporting on Borrowing performance to stakeholders up to executive level
- Collaborating with the Decision Science team to maximize value from internal and external data through cutting-edge ML models
- Promoting a culture of proactive, high-quality analysis and ensuring the right credit capabilities, infrastructure, and talent are in place to scale safely
The credit team operates within a data-driven culture, embedded in product squads alongside Product Managers, Engineers, Designers, Marketers, and Data Scientists. The company leverages real-time analytics and self-serve analytics through Looker, enabling analysts to focus on impactful business questions.
Requirements:
- Extensive experience in unsecured lending in Ireland
- Deep understanding of lending economics with experience developing and deploying underwriting strategies and credit models
- Strong analytical and data capabilities backed by technical coding skills (SQL, Python, and Looker experience preferred)
- Experience with development and maintenance of NPV models
- Strong understanding of regulations applicable to lending in Ireland
- Ability to thrive in fast-paced environment and drive product improvements
- Strong communication skills, able to articulate complex problems and decision points to senior leadership
- Experience in project management and cross-team coordination
- Collaborative approach with diverse skill-sets and personality types
- High motivation and drive to create positive customer impact
