Senior Product Manager, Credit Platform

Monzo; London; Remote; GBP 100,000 - 125,000

Job description

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.

Location: London or Remote UK | Salary: £95,000 - £125,000 + Benefits

About our Credit Platform team:

Credit Platform is a new team with a mission to empower Monzo’s credit teams to become the best credit teams across Europe. Making the right credit decisions is central to growing Monzo safely – and we aspire to be industry leaders in how we operate. That means taking a fresh look at everything from how we ingest new data sources, develop new scorecards, propose and run credit experiments, monitor our portfolio and much more.

The team’s remit is to build products throughout the end-to-end credit lifecycle. These might allow our credit analysts in the UK to focus on the most impactful parts of their job by providing better ways to do both routine analysis and bespoke investigations. Or they might support our credit analysts in new countries to compose and configure a set of models and rules tailored to the local environment, without needing to start from scratch. Or they might even radically redefine how we approach credit strategy altogether.

What you’ll be working on:

• Lead a cross-functional team to build products that improve how we make credit decisions.
• Communicate effectively with people of all levels of seniority.
• Lead planning processes and associated roadmap prioritisation.
• Work iteratively and collaboratively with various teams to refine your plan and execute against it effectively.
• Help to shape product strategy across Monzo by sharing insights from your work.

Your day-to-day:

• Work closely with credit risk experts to understand the problems they’re trying to solve.
• Partner with backend and analytics engineers to explore different solutions.
• Present your latest product strategy to stakeholders and gather feedback.
• Reason through trade-offs in building fast or building for future use cases.
• Speak to partners and form opinions on decisioning infrastructure.

You should apply if:

• You don’t need to have worked in credit before; experience in similar optimisation domains is valued.
• You’re comfortable discussing systems architecture and fluent in data.
• You start from first principles and can spot better ways of doing things.
• You’re data-driven and passionate about metrics.
• You’re full of novel ideas and creative solutions.
• You can work effectively with a diverse range of people.
• You have the ability to communicate clearly and persuasively.
• You’re a fast learner, humble, and curious.
• What we’re doing here at Monzo excites you!

The interview process:

• Recruiter Call
• Initial Call with Hiring Manager
• Final Loop, consisting of x3 hour-long interviews to assess Project Walkthrough, Case Study, and Leadership.
• A final stage with a VP or CPO within the Product team

Our average process takes around 5-6 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.

What’s in it for you:

£95,000 to £125,000 depending on experience, stock options & benefits. We can help you relocate to the UK and sponsor visas. This role can be based in our London office, but we're open to distributed working within the UK. We offer flexible working hours and a learning budget of £1,000 a year for books, training courses, and conferences.

If you prefer to work part-time, we'll make this happen whenever we can.

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. 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.