About the job

As a Senior Credit Manager in Monzo’s Business Borrowing team, you will lead the development and implementation of credit and pricing strategies for SME lending products, ensuring profitable portfolio growth and exceptional customer experience. You’ll play a key role in designing underwriting frameworks, monitoring performance, forecasting cash flows, and developing credit models. Collaborating with cross-functional teams—including engineering, marketing, product, and risk—you’ll help shape new products, customer journeys, and data-driven decision-making tools. You’ll provide strategic guidance, evaluate credit proposals, and mentor a team of analysts, all while promoting a strong data culture through tools like SQL, Python, and Looker. The role is ideal for someone with deep expertise in small business lending, strong analytical and project management skills, and a passion for driving impactful change in financial services. Monzo offers a competitive salary of £119,000–£161,000 plus stock options, visa sponsorship, UK relocation assistance, and flexible working arrangements. Diversity and inclusion are central to Monzo’s mission, and the company encourages applicants from all backgrounds to apply.