Credit Risk Manager, Portfolio Management

Monzo Bank
London
Workplace: RemoteFull timeGBP 100,000 - 130,000 annuallyFunction: Legal, Risk & ComplianceSkills: ["Communication","Leadership","Stakeholder management","Data analysis"]

Lead the Credit Risk function for Monzo’s Borrowing portfolio, owning portfolio monitoring, risk-based pricing, and lifecycle strategies. Manage a team of 3 analysts, collaborate with Product, Engineering, Legal, and Compliance, and drive data-driven decisions using SQL, Looker, and Python to scale UK credit responsibly with a path to a European footprint.

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Monzo Bank
Monzo Bank
2 months ago

Credit Risk Manager, Portfolio Management

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Last checked: 1 hour agoStatus: Live

Job Summary

Lead the Credit Risk function for Monzo’s Borrowing portfolio, owning portfolio monitoring, risk-based pricing, and lifecycle strategies. Manage a team of 3 analysts, collaborate with Product, Engineering, Legal, and Compliance, and drive data-driven decisions using SQL, Looker, and Python to scale UK credit responsibly with a path to a European footprint.
Location: London
Workplace: Remote
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Manager level

Key Responsibilities

  • •Own Portfolio Monitoring & Forecasting: Build and oversee robust frameworks to monitor risk and revenue metrics for a rapidly growing portfolio.
  • •Drive Contractual Pricing Strategies: Architect and optimise a risk-based pricing program balancing commercial viability and fair outcomes.
  • •Fuel Engagement & Retention Loops: Design credit strategies for lifecycle events to deepen customer loyalty.
  • •Execute Data-Driven Loss Mitigation: Develop proactive risk management frameworks to safely mitigate losses for financially vulnerable customers.
  • •Lead and Nurture Talent: Manage, coach, and scale a high-performing team of credit analysts and collaborate with cross-functional squads.

Pay and Benefits

Salary: GBP 100,000 - 130,000 annually
Perks:Learning BudgetRemote WorkFlexible HoursVisa SponsorshipRelocation Support

Key Requirements

  • •Must have strong understanding of unsecured lending portfolios and credit card lifecycle management.
  • •Proven ability to design and implement risk-based pricing and loss mitigation strategies.
  • •Strong data capabilities with experience in SQL; Python and Looker are a plus.
  • •Experience leading analytical teams and coaching junior analysts.
  • •Comfortable communicating complex data insights to senior stakeholders and cross-functional squads.
Experience:FintechUnsecured lendingCredit cardsData analytics
Skills:CommunicationLeadershipStakeholder managementData analysis
Languages:English
Tech Stack:SQLLookerPython

Company Brief

Monzo Bank
Monzo is a UK-based digital bank offering mobile-first current accounts, savings, business banking, and financial tools focused on transparency, low fees, and real-time money management for consumers and small businesses.
Industry: Neobanking
Company Size: Enterprise (1,001+ employees)
Growth: Scaleup
Valuation: Unicorn (USD 1B+)
Funding: Series E+
Headquarters: London, United Kingdom
Founded: 2015
WebsiteLinkedIn