🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking. 

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 team about what it's like working at Monzo ✨

📍London or Remote (UK)  | 💰 £80,000 to £100,000 + Options +  Benefits | Data Team, Borrowing 

About our FinHealth Data Team:

We want to change the way that banks do collections by genuinely aligning our customers interests with credit outcomes. We want to empower customers to tackle any financial problem they’re having, while achieving good outcomes for Monzo. We’re looking for someone special who can help our data led journey achieving excellence in supporting customers in financial difficulties.  

With your experience in developing unsecured retail credit risk strategies and building best in class credit capabilities, you'll help drive Monzo’s strategy for customers in financial difficulty. We’re looking for someone who is happy to roll their sleeves up and get stuck in - analysing data, making recommendations for changes and iterating on processes and strategies to make sure we’re improving our customer outcomes and portfolio health every day. You will work with colleagues across teams to make sure we are building successful collections strategies and customer centricprocesses.

\Your day-to-day:   

• Monitoring the performance of our existing collections strategies, and iterating to improve them
• Through metrics and analysis, develop a deep understanding of how our operational processes, including in-app chat, impact customer outcomes
• Supporting the design and roll-out of new collections strategies and customer journeys by finding patterns in the data and translating these into insights
• Collaborating with a range of disciplines in the Borrowing, Operations, Product and Engineering teams people from engineering, marketing, product, risk and control to design and deliver initiatives
• Overseeing and enhancing the database tables and dashboards that provide insights and promote rapid, data-driven decisions
• Defining our financial difficulties policies to deliver fair customer outcomes and minimise credit loss

You should apply if:

Regarding checklists… Do you feel like you don't fit neatly into boxes? Neither do we! Please don't see the following points as a mere checklist but do take them seriously. We are looking for someone capable and experienced for this role, yet we recognise that everyone has unique strengths. If you believe you'd be a great fit, let us know why and apply anyway.

• You have experience in unsecured retail lending credit risk management, including overall lending economics and the impact of underwriting strategies including the understanding of credit provisioning (IFRS9)
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python is a plus
• You are a clear communicator, able to cut through complex problems and articulate decision points
• You have experience creating high quality data led credit proposals including impact assessment and benefits forecasting
• You are passionate about customers and understand the role collections strategies and policies play in customer outcomes
• You have a deep understanding of how collections works, including regulation and industry best practice
• You’re comfortable balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes)
• 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 work well collaborating in a team with diverse skill-sets and personality types
• You thrive in a fast-paced environment

The Interview Process:

Our interview process involves 4 main stages: 

• Recruiter Call
• Initial Call 
• Take Home Task
• Final stage (x3 interviews) consisting of a case study, role specific and values interview

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:

💰 £80,000 to £100,000 ➕ 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, 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

#LI-NB2  #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, 2023 Diversity and Inclusion Report and 2023 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.