Credit Risk Manager, Business Borrowing

View full description

Requirements:

• Strong domain expertise in providing lending products to small businesses.
• Deep understanding of business lending, including regulation and industry best practices.
• Solid understanding of lending economics and experience in developing underwriting strategies.
• Strong analytical and data capabilities, with technical coding skills; SQL is essential, Python and Looker experience is a plus.
• Ability to communicate complex problems clearly.
• Experience in project management and coordination across teams.
• Working understanding of UK lending regulations.

Responsibilities:

• Leading initiatives designing and implementing credit and pricing strategies for business lending products.
• Monitoring the performance of existing strategies and iterating to improve them.
• Supporting the design and roll-out of new products and customer journeys.
• Leading initiatives to improve credit underwriting, boost growth, and/or manage portfolio risk.
• Developing and monitoring credit models to forecast cash flows and assess new lending cohorts.
• Writing credit proposals adopted as Monzo underwriting policy.
• Building and maintaining database tables and dashboards for insight-driven decisions.