About the role

Role Overview

Join Monzo as a Credit Risk Manager (Portfolio Management). You will lead a team of credit analysts and own portfolio management strategies for Monzo’s Flex product, shaping how personal credit is delivered while protecting customers.

Responsibilities

Lead and manage a team of credit analysts to drive portfolio performance, unlocking value across P&L and customer engagement.
Build and oversee performance frameworks to monitor and forecast both risk and revenue metrics for sustainable portfolio growth.
Architect and optimize a risk-based pricing program that balances commercial viability with fair customer outcomes.

Requirements

Proven ability to develop and lead analytical talent and grow a high-impact team.
Strong technical and data capabilities; comfortable working hands-on with data.
SQL is required. Python and Looker experience are a plus.
Demonstrated portfolio management experience, including:
- Risk-based pricing
- Retention and product upgrades
- Loss mitigation strategies
Excellent stakeholder management and communication skills, able to collaborate across engineering, legal/compliance, and influence executive leadership.
Commercial, strategic credit leadership with deep knowledge of unsecured lending portfolios (ideally credit card lifecycle management).
Strong alignment to both Credit Risk and Conduct Risk, balancing credit judgment with customer outcomes.
Experience thriving in ambiguous, zero-to-one environments; comfortable building strategies from scratch.

Nice-to-haves

Experience with Python and Looker.

About Monzo

Monzo is a rapidly growing digital bank focused on improving personal finance experiences through modern financial products. The company operates in the banking/fintech industry, building customer-centric offerings and data-driven risk and credit capabilities.