About the job

The Senior Credit Manager, Business Borrowing at Monzo Bank is responsible for designing and implementing credit and pricing strategies for SME lending products, with a focus on building profitable portfolios and delivering innovative business credit solutions. This role involves leading initiatives to improve credit underwriting, manage portfolio risk, monitor and iterate strategies, launch new products and customer journeys, and oversee the development of credit models to forecast performance and assess value. The position requires strong expertise in SME lending, a deep understanding of UK lending regulations and economics, advanced analytical skills with proficiency in SQL (Python and Looker a plus), and the ability to mentor and lead high-performing teams. The successful candidate will collaborate with cross-functional teams including engineering, marketing, product, risk, and control, and will promote a strong data culture through robust analytics and dashboards. Offering a salary of £119,000–£161,000 plus stock options, benefits, relocation support, visa sponsorship, flexible working arrangements, and a £1,000 annual learning budget, the role is ideal for driven professionals who want to make a positive impact on Monzo’s business lending portfolio.