Financial Health Strategy Manager

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London or Remote (UK)  | 💰 £165,000 - £200,000 + Incentives tied to your performance +  Benefits | Data Team, Borrowing  ⭐About our Borrowing team: Our Borrowing (lending) team is growing and we’re looking for a Director to build and lead our credit risk function for lending to our business banking customers. The ideal candidate should have in-depth knowledge of lending to small and medium size sole traders and limited companies, automated decisioning and Credit Risk Management activities.  As the size of our Business Banking customer base continues to grow, we are building out lending products to support our customers' funding needs. We aim to create a genuine feel-good factor when it comes to business credit, and are looking to build a team of driven, analytical and creative individuals to help us achieve this goal. With your experience of developing credit risk strategies specifically for small and medium enterprises and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will lead a team of credit analysts and managers and play a pivotal role in refining our credit and pricing strategies, particularly as we introduce new lending products to the market. You will work with colleagues across Monzo to make sure we are building profitable lending portfolios and amazing products for our customers. 🔑 You’ll play a key role by… * Leading a team designing and implementing credit and pricing strategies for our business lending products * Monitoring the performance of our existing strategies, and iterating to improve them * Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk  * Supporting the design and roll-out of new products and customer journeys, while working together with people from engineering, marketing, product, risk and control to achieve this * Providing leadership across our Business Banking and Borrowing Collectives.  * Be a member of the Borrowing Leadership Team which drives Monzo's overall borrowing strategy 🤩 We’d love to hear from you if… * You have strong domain expertise in providing lending products to small businesses * You have a track record leading analytical credit teams  * You have a deep understanding of how business lending works, including regulation and industry best practice * You are passionate about customers and understand the role credit strategies and policies play in customer outcomes * You’re comfortable balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes) * You have strong analytical and data capabilities, backed up by technical coding skills * You can bring a dynamic energy to the team, and are keen for the chance to improve our products and help ship changes to our customers * You are a clear communicator, able to cut through complex problems and articulate decision points * You work well collaborating in a team with diverse skill-sets and personality types * You are comfortable working in a fast-moving and changing company 🧠  The Interview Process: Our interview process involves 4 main stages:  * Recruiter Call * Initial Call  * Take Home Task * Final stage (x3 interviews) consisting of a leadership, role specific and a values and collaboration interview Our average process takes around 4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process. Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason. What’s in it for you: ✈️ We can help you relocate to the UK  ✅ We can sponsor visas  📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚 Learning budget of £1,000 a year for books, training courses and conferences ➕ And much more, see our full list of benefits here ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍Cardiff, London or Remote (UK)  | 💰 £76,500 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing  Our team⭐ Our Borrowing business is growing rapidly across both existing products and a range of new initiatives. From credit cards and loans to emerging lending products, we’re building solutions that give customers greater control, transparency, and flexibility in how they manage their finances. If you’re interested in using data to understand lending performance, improve decision-making, and support the development of credit strategies, this role offers the opportunity to work on meaningful problems with clear business impact. This is a high-impact, cross-functional environment where you’ll work closely with Product, Engineering, Data Science, Finance, and Risk & Control to drive sustainable, profitable, and responsible growth across our lending portfolio. You’ll operate at the intersection of credit risk, commercial performance, and customer experience, helping ensure Monzo’s borrowing products remain competitive, scalable, and aligned with strong customer outcomes. 🔑You’ll play a key role by... As a Senior Credit Analyst, you’ll play a critical role in shaping Monzo’s credit strategy across credit card products. Your responsibilities will include: * Design and refine credit underwriting and limit strategies to optimise risk and growth * Analyse portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insights * Build and interpret NPV and profitability models to inform strategic decisions * Develop segmentation frameworks to identify revenue and risk pressure points * Lead analytical deep-dives into portfolio trends and emerging risks * Partner with Product and Engineering teams to design and test new features and strategy changes * Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions * Present clear, structured recommendations to senior stakeholders * Support regulatory and governance requirements, ensuring strategies align with policy and risk appetite Locations & flexible working:  Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles. We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable. We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most. Work the way that works for you at Monzo! 💼 🤩 We’d love to hear from you if… You have: * Experience in unsecured lending, ideally within credit cards * A strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Experience of modelling rewards cards is a plus. * Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing) * Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus * Experience working with NPV models, profitability analysis, and portfolio forecasting * Confidence communicating complex analysis clearly to non-technical stakeholders * Experience collaborating cross-functionally in a fast-paced environment * An interest in balancing risk, growth, and customer outcomes We're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our Data Progression Framework 🙌 What’s in it for you 💰£76,500 to £95,000 + Incentive Awards tied to your performance + Benefits  ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚 Learning budget of £1,000 a year for books, training courses and conferences ➕ And much more, see our full list of benefits here Interview process: Our typical process is structured as: 1. Recruiter call 2. Initial hiring manager call 3. Take-home task 4. Final interviews - (3x) including case study, role-specific, and behavioural interviews Our average process takes around 3-4 weeks but we will always work around your availability.  #LI-LG1  #LI-Remote ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍LONDON/CARDIFF/UK REMOTE | 💰 £138,000 TO £176,000 + INCENTIVE AWARDS TIED TO YOUR PERFORMANCE + BENEFITS | HEAR FROM THE TEAM ✨  ABOUT THE ROLE Borrowing is one of Monzo’s most important growth engines. We’ve built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe. We’re looking for a senior ML leader to help shape that next phase. You’ll lead a high-calibre team of ML scientists and help define Borrowing’s ML roadmap across UK growth, new customer segments, and EU expansion. You’ll work across underwriting, pricing, limits, and lifecycle decisioning — improving today’s models while helping build the next generation of capability for Monzo. This role combines near-term commercial impact with long-term strategic advantage: * improving performance across our range of products * unlocking new data and faster model development * helping Monzo build underwriting that scales into new markets * shaping how advanced ML and AI can create real value in Borrowing You’ll partner closely with leaders across Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, and influence decisions that shape both business performance and the long-term architecture of credit decisioning at Monzo.  WHAT YOU’LL OWN * Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion * Faster model improvement through new data and feature engineering * How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning * More portable underwriting capabilities across products, customer segments, and markets * Hiring, leading, and developing a high-performing ML team * Raising the bar on model quality, governance, tooling, and speed of iteration WHAT YOU’LL BE WORKING ON Examples of the challenges you could help lead: * Improving underwriting models across Loans, Flex, and Overdrafts * Expand the data we use in our models * Building better feature engineering and model shipping capability * Improving transaction intelligence for credit use cases * Developing underwriting capabilities for new customer segments and EU markets * Shaping Monzo’s approach to advanced ML and AI OUR TECHNOLOGY STACK We rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them: * Google Cloud Platform * BigQuery SQL and dbt * Python and the PyData stack * Google AI Platform * AWS * Python for ML services * Go for backend services * AI tooling for productivity * Google Workspace including Gemini * ChatGPT Enterprise * Claude Code YOU SHOULD APPLY IF * You want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechs * You enjoy combining strategic leadership with strong technical judgment * You’re excited by the intersection of underwriting, data, product, and platform capability * You like building teams as much as building models * You care about real customer and business impact YOU MUST HAVE CREDIT AND MACHINE LEARNING * Strong knowledge of machine learning, statistics, and decisioning systems * Deep experience in credit risk and lending * Experience building, deploying, and iterating credit models in production * Experience pushing the innovation frontiers of the credit industry LEADERSHIP AND DELIVERY * Experience leading and developing senior ML scientists * Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation * Track record of turning strategy into practical delivery in a regulated environment IT WOULD BE GREAT IF YOU ALSO HAVE * Experience across more than one market * Experience with advanced ML methods and AI on structured financial data THE INTERVIEW PROCESS * 30 min Recruiter Call * 45 min Initial Call * 60 min ML technical interview * 60 min People Leadership interview * 60 min Product / Credit ML interview All interviews will be conducted through Google Meet. WHAT’S IN IT FOR YOU 💰 £138,000 to £176,000 ➕ plus stock options & benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London. 🏡 We’ll set you up to work from home, including support for remote setups. ⏰ We offer flexible working hours and trust you to work in a way that lets you do your best work. 📚 Learning budget for books, training courses and conferences ➕ And much more — see our full list of benefits here #LI-DC2  #LI-Remote ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊