Credit Model Validation Manager (Machine Learning & NPV Models)

Навыки

• AWS
• BigQuery
• Коммуникация
• Общение с клиентами
• Решения на данных
• dbt
• Google Cloud

О компании и продукте

• Our Borrowing (lending) business is growing rapidly across both existing products and with the planned launch of new initiatives. As our lending portfolio grows, our second line of defence Credit Model Validation team is growing with it - and we’re looking for a Credit Model Validation Manager to join us!
• Our Credit Model Validation team is crucial in providing independent oversight and challenge to our model development teams in the first line of defence to help Monzo grow safely and ensure that the models we use deliver good outcomes for our customers. We’re looking for someone (maybe you?!) to join our validation squad and provide expert independent validation and oversight across our suite of credit models, covering critical business disciplines such as credit strategy and impairment.
• You’ll have a particular focus on models used for customer-level decisioning and defining our credit strategies - such as underwriting scorecards, origination PD models and Net Present Value (NPV) / unit economics models - across all our lending products.
• Strong data and analytical skills are a must, as is deep expertise in credit risk modelling. You’ll have hands-on experience in either model validation or model development within a financial services environment, including practical experience using Python to develop, validate or analyse machine learning and statistical models. . In-depth knowledge of credit decisioning models would be a strong plus.

Задачи

• We’re on a mission to make money work for everyone
• We’re waving goodbye to the complicated and confusing ways of traditional banking

Требования

• After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK

Условия

• 💰 £79,000 - £93,000 + Incentive Awards tied to your performance benefits
• 📍 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, and at times that suit you and your team
• 📚 £1,000 learning budget each year to use on books, training courses and conferences
• 🏡 We will set you up to work from home
• all employees are given MacBooks and for fully remote workers we will provide extra support for your work-from-home setup
• ➕ Plus lots more! Read our full list of benefits
• We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here
• We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out!
• LinkedIn Tags: #LI-TK1
• 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
• 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) | 💰 £79,000 - £93,000 + Incentive Awards tied to your performance + Benefits

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