Credit Risk Oversight Manager (Fully Remote)

Monzo; United States; Remote; USD 110,000 - 170,000; Full time

Job summary

Monzo is seeking an experienced credit risk professional to independently oversee risk in our growing US lending portfolio. You’ll analyze data, partner with first-line teams on strategy, and lead second-line assurance with model validation collaboration.

You’ll apply strong SQL and data visualization skills, evaluate consumer and small business credit risk, and explore AI-enabled improvements to risk processes in a dynamic digital banking environment.

Qualifications

• Experience in consumer or small business credit risk management.
• Strong SQL and data visualization skills.
• Interest in using AI tools to improve risk processes.

Responsibilities

• Monitor existing lending product performance and enhance metrics.
• Partner with first line teams on credit strategy changes and new product launches.
• Lead second line assurance work and collaborate with model validation teams.

Skills

Credit risk mgmt

SQL

Data viz

AI in risk

Tools

Tableau

Power BI

Job description

• Independent oversight of credit risk in Monzo's growing lending portfolio.
• Support and challenge first line teams to help Monzo grow safely.
• Analyze data to deliver assurance and actionable insights.

What You'll Do:

• Monitor existing lending product performance and enhance metrics.
• Partner with first line teams on credit strategy changes and new product launches.
• Lead second line assurance work and collaborate with model validation teams.

Who You Are:

• Strong background in consumer or small business credit risk management.
• Proven analytical skills, with SQL and data visualisation tools.
• Excited about using AI tools to improve credit and risk processes.

Monzo

Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, savings, investments, and credit cards. With a collaborative culture and a focus on diversity and inclusion, Monzo has grown significantly in the UK over the past 10 years.