Head of Credit Strategy Oversight
New
M
MonzoFinancial Services
Cardiff, London or Remote (UK)Full-TimeManager
Salary125,400 - 150,000 GBP per year
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Job Details
- Required Skills
- PythonSQL
Requirements
- Significant practical experience in credit risk management within consumer or small business lending
- Experience in unsecured, revolving products
- Data driven, comfortable defining and interpreting analysis to understand credit performance and trends
- Experience in SQL or Python
- Experience in using scorecards and NPV models to develop strategies
- Exceptional written and verbal communication skills
- Effective leader and people manager with ability to build and nurture high performing teams
- 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
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