Senior Credit Risk Leader — Zero-to-One, UK/Remote

Monzo; United States; Remote; USD 133,000 - 173,000; Full time

Benefits offered by this job

Relocation to UK

Visa sponsorship

Flexible working hours

Learning budget £1,000/year

Job summary

Monzo is seeking a strategic Credit Risk Manager for the Borrowing team. You will lead a growing portfolio, set risk-based pricing, and design lifecycle-driven credit strategies to boost engagement and retention.

The role sits in the Data Discipline and collaborates with product, engineering, and legal to translate data into customer outcomes. You will manage a small team of analysts, drive risk controls, and help lay groundwork for a broader UK/European footprint while embracing flexible,

Qualifications

• Commercial, strategic credit leader with experience in unsecured lending portfolios.
• Ability to build strategies from zero to one and to manage a portfolio end-to-end.
• Strong data focus with capability to translate data into actionable narratives.

Responsibilities

• Own Portfolio Monitoring & Forecasting: build frameworks to monitor risk and revenue as the portfolio grows.
• Drive Contractual Pricing Strategies: design risk-based pricing to balance commercial viability and fair outcomes.
• Fuel Engagement & Retention Loops: implement credit strategies for lifecycle events and upgrades.
• Execute Data-Driven Loss Mitigation: develop proactive risk management to safely mitigate losses.
• Lead and Nurture Talent: coach and scale a team of credit analysts.
• Cross-Functional Squad Collaboration: embedded in a multi-disciplinary squad with product, eng, design, risk, and legal.

Skills

Credit leadership

Portfolio management

Data-driven decision making

Stakeholder management

Leadership

Analytical thinking

Communication

Tools

SQL

Python

Looker

Job description

Monzo is seeking a strategic Credit Risk Manager for the Borrowing team. You will lead a growing portfolio, set risk-based pricing, and design lifecycle-driven credit strategies to boost engagement and retention.

The role sits in the Data Discipline and collaborates with product, engineering, and legal to translate data into customer outcomes. You will manage a small team of analysts, drive risk controls, and help lay groundwork for a broader UK/European footprint while embracing flexible,