Head of Credit Strategy Oversight
New
Open to distributed working within the UK (with ad hoc meetings in London, the team currently meet once per week)Full-TimeManager
Salary125,400 - 150,000 GBP per year
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Job Details
- Required Skills
- PythonSQLData Analysis
Requirements
- Significant practical experience in credit risk management within consumer or small business lending
- Data driven, comfortable defining and interpreting analysis to understand credit performance and trends
- Understand how to balance risk and commercial outcomes, with experience in using scorecards and NPV models
- Exceptional written and verbal communication skills
- Effective leader and people manager
- Think strategically but able to work in the detail
- Track record of building and maintaining trusting relationships with stakeholders at all levels
Responsibilities
- Leading the credit risk strategy oversight team, setting the agenda and owning the delivery of our independent oversight and assurance plan across Monzo’s lending portfolios
- Supporting the team in reviewing credit strategy and product changes, highlighting key risks and issues, providing constructive feedback and challenge, and influencing decisions at senior level
- Overseeing the ongoing oversight of credit risk, including risk appetite and reporting, portfolio monitoring, financial projections and governance
- Partnering with colleagues in the first line of defence to support credit strategy changes, including new product launches and pilots
- Embracing new and innovative technology, including leading the adoption of AI tools to enhance our credit risk oversight approach
- Providing credit expertise and input into strategic projects and Monzo-wide initiatives, such as new product launches or business planning and stress-testing
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