Our team;Our Borrowing (lending) team is growing and welooking for Credit Managers and Analysts for our credit risk function, to grow lending to our business banking customers. The ideal candidate should have knowledge of providing credit to small and medium size sole traders and limited companies, automated decisioning and Credit Risk Management activities.You will work in the credit risk team responsible for credit strategy for our business lending products. the size of our Business Banking customer base grows, we are building lending products to support our customers funding needs. aim to create a genuine feel-good factor when it comes to business credit, and are looking for 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 be responsible for developing our credit and pricing strategies as we bring to market new lending products. You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.Your day-to-day:Leading initiatives designing and implementing credit and pricing strategies for our business lending productsMonitoring the performance of our existing strategies, and iterating to improve themSupporting the design and roll-out of new products and customer journeysLeading initiatives to improve our credit underwriting, boost growth and\/or manage portfolio riskWorking with people from engineering, marketing, product, risk and control to design and deliver initiativesDeveloping and monitoring our credit models to forecast cash flows and assess net present value of new lending cohortsWriting credit proposals which will be adopted as Monzo underwriting policySupporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insightsBuilding, maintaining & responsible for the database tables and dashboards that provide insights and promote rapid, data-driven decisionsAssessing how the lending portfolio of particular products will perform over timeYou should apply if:You have strong domain expertise in providing lending products to small businessesYou have a deep understanding of how business lending works, including regulation and industry best practiceYou have a solid understanding of lending economics and have experience developing and deploying underwriting strategies and credit modelsYou have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plusYou can bring a dynamic energy to the team, and are keen for the chance to improve our products and help ship changes to our customersYou are a strong communicator, able to cut through complex problems and articulate decision pointsYou have some experience in project management and coordination across teamsYou work well collaborating in a team with diverse skill-sets and personality typesYou have a working understanding of the regulations that apply to lending in the UKYou are highly motivated and energised by the idea of bringing positive impact to our customers and MonzoThe Interview Process:Our interview process involves 4 main stages:Recruiter CallInitial CallTake Home TaskFinal stage (x3 interviews) consisting of a case study, role specific and values interviewOur average process takes around 3-4 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 but if you do have any specific questions ahead of this please contact us on tech-hiringmonzo.com.Whatfor you:plus stock options benefitsWe can help you relocate to the UKWe can sponsor visasThis role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.Learning budget of year for books, training courses and conferencesAnd much more, see our full list of benefits hereLI-SL1 LI-RemoteEqual opportunities for everyoneDiversity and inclusion are a priority for us and wemaking sure we have lots of support for all of our people to grow at Monzo. At Monzo, weembracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2023 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.Weequal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.If you have a preferred name, please use it to apply. We don't need full or birth names at application stage