[All remote jobs](https://jobicy.com/jobs.md)[![Monzo logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/5b4c0ec3-221.jpg)](https://jobicy.com/company/monzo.md)[Monzo](https://jobicy.com/company/monzo.md) # Senior Credit Risk Manager, Credit Platform Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/monzo.md)ShareRemote from[UK](https://jobicy.com/job-region/uk.md)SalaryGBP 125,400–169,600 / yrDepartment[Finance & Accounting](https://jobicy.com/categories/accounting-finance.md)EmploymentFull TimeExperienceSeniorPublished24 Oct 2026Apply before23 Nov 2026Listing views38Application actions1Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Monzo is hiring a senior credit-risk leader to shape the shared Credit Platform underpinning lending decisioning across retail and business products. The role leads a team of five Credit Analysts and owns the roadmap for scalable credit valuation, NPV modelling, data foundations, and strategy-deployment capabilities. It requires deep unsecured-lending expertise alongside strong SQL skills and the ability to partner closely with Engineering, Product, Machine Learning, Data, Risk, and Credit teams. The successful candidate will translate complex lending economics and platform concepts into clear strategic recommendations for senior stakeholders. The role is remote within the UK, with ad hoc meetings in London. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 5/5RelaxedFast-paced ### Autonomy Level 5/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThis is a highly senior leadership position requiring deep expertise in unsecured lending, NPV modelling, credit decisioning infrastructure, and analytical management. The candidate must create scalable frameworks amid ambiguity while influencing multiple technical and business disciplines. ## Salary analysis Estimated compensation compared with the broader UK market for similar roles. Estimated job median (per year)Highly competitive£147,500UK market range (per year)£120k–£175k0£192.50k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses an annual base salary range of £125,400–£169,600, with a midpoint of £147,500, plus performance-linked incentive awards and benefits. The estimated UK market range for a senior credit-risk platform leader is £120,000–£175,000 per year; this is an AI estimate rather than verified salary research. ## Core skills Skills and capabilities most closely associated with this opportunity. [Credit risk management](https://jobicy.com/jobs?search_keywords=Credit%20risk%20management.md)[Unsecured lending](https://jobicy.com/jobs?search_keywords=Unsecured%20lending.md)[NPV modelling](https://jobicy.com/jobs?search_keywords=NPV%20modelling.md)[Credit decisioning](https://jobicy.com/jobs?search_keywords=Credit%20decisioning.md)[Lending economics](https://jobicy.com/jobs?search_keywords=Lending%20economics.md)[SQL](https://jobicy.com/jobs?search_keywords=SQL.md)[Python](https://jobicy.com/jobs?search_keywords=Python.md)[Looker](https://jobicy.com/jobs?search_keywords=Looker.md)[Credit strategy](https://jobicy.com/jobs?search_keywords=Credit%20strategy.md)[Data analytics](https://jobicy.com/jobs?search_keywords=Data%20analytics.md)[People leadership](https://jobicy.com/jobs?search_keywords=People%20leadership.md)[Product partnership](https://jobicy.com/jobs?search_keywords=Product%20partnership.md)[Risk management](https://jobicy.com/jobs?search_keywords=Risk%20management.md)[Platform roadmap](https://jobicy.com/jobs?search_keywords=Platform%20roadmap.md) Sample interview questionsHow would you design a scalable NPV modelling framework for multiple lending products and markets?I would establish consistent economic assumptions, model inputs, governance standards, and reusable calculation components while allowing controlled product-level configuration. I would also implement versioning, validation tests, monitoring, and clear documentation so teams can compare strategies reliably and adapt the framework as markets evolve. Describe how you would improve the speed and quality of credit strategy deployment. I would map the current decisioning workflow to identify manual handoffs, inconsistent data definitions, and testing bottlenecks. I would prioritise reusable data assets, self-service evaluation tools, controlled experimentation, automated validations, and monitoring so Product Credit teams can deploy safely with shorter feedback cycles. What lending metrics would you use to assess whether a proposed strategy creates value? I would assess expected NPV alongside approval rate, expected loss, risk-adjusted return, customer outcomes, delinquency and default trends, funding costs, operational costs, and portfolio concentration. The final decision should consider both short-term profitability and sustainable risk performance. How do you communicate a complex credit-model recommendation to senior non-technical stakeholders? I start with the business decision, the expected customer and financial impact, key assumptions, and the principal risks. I use concise visuals and scenario comparisons, then provide supporting technical detail separately so stakeholders can make an informed decision without losing the important caveats. How would you develop a high-performing team of Credit Analysts? I would set clear outcomes, establish high standards for analytical quality and documentation, and give analysts meaningful ownership of platform problems. Regular coaching, peer review, exposure to cross-functional partners, and development plans across technical and strategic skills would help the team grow while delivering measurable impact. Opportunity details ## About this role. 🚀 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](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments)and [combine their pensions](https://monzo.com/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) | 💰 £125,400 – £169,600 + Incentive Awards tied to your performance + [Benefits](https://monzo.com/careers/) About us: 🚀 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](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments) and [combine their pensions](https://monzo.com/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 ❤️ [Hear from our UK team about what it’s like working at Monzo](https://www.youtube.com/watch?v=U62l09nB0M4) ✨ About the team: Our Borrowing (lending) business is growing rapidly across both our existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and we’re looking for driven, analytical and creative individuals to help us achieve this goal. We’re great believers in powerful, real-time analytics and empowering the wider business. All our data lives in one place and is easy to use. Over 90% of day-to-day data-driven decisions are supported through self-serve analytics in Looker, giving analysts the headspace to focus on solving high-impact business problems. Our Credit Platform squad builds the shared infrastructure that powers lending decisioning across Monzo. We develop the core credit valuation (NPV) infrastructure, decisioning capabilities and data foundations that enable our Product Credit teams to develop, evaluate and deploy lending strategies across products and markets. As we scale internationally, our platform is at the heart of delivering consistent, scalable credit capabilities globally. You’ll lead a team of five Credit Analysts, shaping the evolution of our platform, pushing the boundaries to unlock the next generation of lending capabilities and drive efficiencies. Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Credit Platform is a cross-functional squad bringing together Credit, Product, Engineering and Data expertise to build shared capabilities that power Borrowing across Monzo. How you’ll contribute: * Shape our Credit Platform: Define the roadmap for Monzo’s Credit Platform, evolving the shared infrastructure that enables Product Credit teams to develop, evaluate and deploy lending strategies across our retail and business lending products in the UK and new global markets. * Build Credit Valuation Infrastructure: Lead the evolution of the infrastructure that supports Monzo’s credit valuation capabilities, including our NPV modelling framework, ensuring it is scalable, reliable and enables Product Credit teams to optimise lending economics. * Lead and Develop a High-Performing Team: Hire, coach and develop a high-performing team of Credit Analysts, fostering a culture of technical excellence, ownership and continuous improvement while delivering platform capabilities with broad organisational impact. * Partner Across Monzo: Work closely with Credit, Engineering, Product, Machine Learning, Data and Risk teams to build platform capabilities that accelerate experimentation, simplify strategy deployment and improve the speed and quality of credit decisioning. * Influence Through Technical Leadership: Represent the Credit Platform across Monzo, translating complex technical concepts into clear recommendations for senior leaders and helping shape the future direction of our lending platform. You should apply if: What we’re doing here at Monzo excites you! * You are a technical and strategic credit leader with extensive experience in unsecured lending. * You understand lending economics inside out, with deep experience in NPV modelling and the infrastructure and frameworks that enable effective credit decisioning * You are highly motivated by fast-paced environments, enjoy ambiguity, designing frameworks from scratch, and delivering meaningful change. * You are an exceptional cross-functional leader who thrives when partnering with Engineering, Product, Risk, Machine Learning and Credit teams to deliver shared platform capabilities. * You have a track record of leading and developing analytical talent, and you are excited by the prospect of leading a high-impact team. * You have strong analytical and data capabilities backed up by technical coding skills (SQL is a must-have; Python and Looker experience is a plus). The Interview Process: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! * Recruiter call * Initial call with the hiring manager * Final loop of interviews meeting key stakeholders Our average process takes around 3-4 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 but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com 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](https://monzo.com/careers/) Equal Opportunity Statement We are actively creating an equitable environment for every Monzonaut to thrive. Diversity and inclusion are a priority for us and we are making sure we have lots of support for all of our people to grow at Monzo. At Monzo, embracing diversity in all of its forms and 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](https://monzo.com/blog/diversity-and-inclusion), 2021[Diversity and Inclusion Report](https://monzo.com/blog/our-2021-diversity-and-inclusion-report) and 2022[Gender Pay Gap Report.](https://monzo.com/blog/2023/01/31/an-update-on-our-gender-pay-gap-jan-2023) We’re an equal opportunity employer. All applicants will be considered for employment without attention to ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status or disability status. #LI-COD #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](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025) 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 😊 Show more [Apply now >](https://jobicy.com/jobs/156845-senior-credit-risk-manager-credit-platform.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. This job listing has been manually reviewed by the Jobicy Trust & Safety Team for compliance with our posting guidelines, including verification of the company's legitimacy, accuracy of job details, clarity of remote work policy, and absence of misleading or fraudulent content. Next step ## Apply now. Follow the employer’s application method and review Jobicy’s safety guidance before sharing personal information. Keep exploring ## Related remote jobs. * ![CertiK logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2021/03/Jobicy-210308091023-955845.jpg) CertiK Oct 24 New ### [Financial Analyst](https://jobicy.com/jobs/156856-financial-analyst-3.md) About CertiKBorn from groundbreaking research at Columbia and Yale, CertiK has grown to become the largest Web3 security platform, combining proprietary models with comprehensive security solutions and end-to-end toolkits to… * ![Twilio logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2020/10/WRILS-201023175858-722503.jpg) Twilio Oct 24 New ### [Billing Operations Analyst 1](https://jobicy.com/jobs/156798-billing-operations-analyst-1.md) Who we are At Twilio, we’re shaping the future of communications, all from the comfort of our homes. We deliver innovative solutions to hundreds of thousands of businesses and empower… * ![Twilio logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2020/10/WRILS-201023175858-722503.jpg) Twilio Oct 24 New ### [Payroll Tax and Compliance Analyst](https://jobicy.com/jobs/156786-payroll-tax-and-compliance-analyst.md) Who we are At Twilio, we’re shaping the future of communications, all from the comfort of our homes. We deliver innovative solutions to hundreds of thousands of businesses and empower… * ![Who Gives A Crap logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/389bf597-221.png) Who Gives A Crap Oct 24 New ### [AP/AR Lead](https://jobicy.com/jobs/156740-ap-ar-lead-3.md) Not all heroes wear capes — but plenty of them use toilet paper Want to challenge yourself at a purpose-led scale up AND make a difference in the world? Come… * ![Tines logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/08/9285d376-221.png) Tines Oct 24 New ### [Manager, Sales Compensation](https://jobicy.com/jobs/156723-manager-sales-compensation.md) Tines is the intelligent workflow company that powers some of the world’s most important workflows. Tines has been supporting IT and security teams from a diverse range of customers, including… * ![Tines logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/08/9285d376-221.png) Tines Oct 24 New ### [Senior Manager, Pricing](https://jobicy.com/jobs/156730-senior-manager-pricing.md) Tines is the intelligent workflow company that powers some of the world’s most important workflows. Tines has been supporting IT and security teams from a diverse range of customers, including… * ![Monzo logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/5b4c0ec3-221.jpg) Monzo Oct 24 New ### [Operational Tax, Senior Manager](https://jobicy.com/jobs/156691-operational-tax-senior-manager.md) 🚀 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… * ![Luxury Presence logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2022/05/f2b241fb769140fff2f70e8efaf5c0ff.jpg) Luxury Presence Oct 24 New ### [Senior Financial Analyst, GTM](https://jobicy.com/jobs/153941-senior-financial-analyst-gtm.md) Luxury Presence is building the AI growth platform for real estate. Backed by Bessemer Venture Partners and other top investors, we’re a Series C company that has hit $100M in… * ![Instacart logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2023/03/fe39c2bc9bb5ebb0b5e24318b1f3b60d.jpeg) Instacart Oct 23 New ### [Billing Operations Lead](https://jobicy.com/jobs/156686-billing-operations-lead.md) We’re transforming the grocery industry At Instacart, we invite the world to share love through food because we believe everyone should have access to the food they love and more… * ![dscout logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2022/03/f81f478b71cf9399121a6f91aafc0bd3.jpeg) dscout Oct 23 New ### [Senior FP&A Analyst](https://jobicy.com/jobs/156654-senior-fpa-analyst-2.md) At Dscout, we’re building the most flexible and powerful UX research platform on the market—trusted by the world’s top brands in finance (JP Morgan Chase, Intuit, Charles Schwab, PayPal), healthcare… [Browse all jobs](https://jobicy.com/jobs.md)