📍Madrid or Barcelona, Spain  | 💰 €77,000 - €94,000 + Incentive Awards tied to your performance ➕ benefits

⭐ About the team:

Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

We’re looking for a Credit Risk Manager to help drive the credit and growth strategy for our consumer lending products as we grow our business in Spain. You will lead a team of analysts responsible for developing the credit and pricing strategies as we bring our products to market across the EU.

Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses.

Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way.

🔑You'll play a key role:

• Lead a team of analysts that will develop credit and pricing strategies for our Borrowing products and distribution channels
• Work closely with Borrowing squad leadership to develop and execute an ambitious growth strategy 
• Collaborate with people from engineering, marketing, product, risk and control to design and deliver new products and customer journeys
• Lead the development and maintenance of the NPV models and affordability strategies that underpin the Borrowing underwriting decisions
• Monthly monitoring and reporting on Borrowing performance to stakeholders up to executive level
• Build, maintain and own the database tables and dashboards that provide insights and promote rapid, data-driven decisions.
• Collaborate with the Decision Science team to maximise value from our internal and external data through cutting-edge ML models
• Promote a culture of proactive, high quality analysis and ensure we have the right credit capabilities, infrastructure and talent in place to scale safely

🤩 You should apply if:

• What we’re doing here at Monzo excites you!
• You have extensive experience in unsecured lending in Spain
• You have a deep understanding of lending economics and have experience developing and deploying underwriting strategies and credit models.
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
• You have experience with the development and maintenance of NPV models
• You have a strong understanding of the regulations that apply to lending in Spain.
• You have track record leading and developing analytical teams
• You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadership.
• You have experience in project management and coordination across teams.
• You work well collaborating in a team with diverse skill-sets and personality types.
• You are highly motivated and energised by the idea of bringing a positive impact to our customers and Monzo.

We're on the look out for L60 Credit Risk Managers at the moment, you can read more in our Data Progression Framework

🙌What’s in it for you

💰A base salary of €77,000 - €94,000 + Incentive Awards tied to your performance

📍This role will have a hybrid working model, based in our Barcelona or Madrid office 2 - 3 days a week.

⏰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. 

🏝 Annual Leave - 38 days including public holidays

📚€1,200 learning budget each year to use on books, training courses and conferences.

🏥Private healthcare scheme

💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 3 key steps

• Recruiter call 
• Initial call with the hiring manager 
• Final loop of interviews (x3)

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated.

#LI-MOS1

📍Dublin, Ireland  | 💰 €108,000 - €132,000 + Incentive Awards tied to your performance ➕ benefits

⭐ About the team:

Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

We’re looking for a Credit Risk Manager to help drive the credit and growth strategy for our consumer lending products as we grow our business in Ireland. You will lead a team of analysts responsible for developing the credit and pricing strategies as we bring our products to market across the EU.

Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses.

Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way.

🔑You'll play a key role:

• Lead a team of analysts that will develop credit and pricing strategies for our Borrowing products and distribution channels
• Work closely with Borrowing squad leadership to develop and execute an ambitious growth strategy 
• Collaborate with people from engineering, marketing, product, risk and control to design and deliver new products and customer journeys
• Lead the development and maintenance of the NPV models and affordability strategies that underpin the Borrowing underwriting decisions
• Monthly monitoring and reporting on Borrowing performance to stakeholders up to executive level
• Build, maintain and own the database tables and dashboards that provide insights and promote rapid, data-driven decisions.
• Collaborate with the Decision Science team to maximise value from our internal and external data through cutting-edge ML models
• Promote a culture of proactive, high quality analysis and ensure we have the right credit capabilities, infrastructure and talent in place to scale safely

🤩 You should apply if:

• What we’re doing here at Monzo excites you!
• You have extensive experience in unsecured lending in Ireland
• You have a deep understanding of lending economics and have experience developing and deploying underwriting strategies and credit models.
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
• You have experience with the development and maintenance of NPV models
• You have a strong understanding of the regulations that apply to lending in Ireland.
• You have track record leading and developing analytical teams
• You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadership.
• You have experience in project management and coordination across teams.
• You work well collaborating in a team with diverse skill-sets and personality types.
• You are highly motivated and energised by the idea of bringing a positive impact to our customers and Monzo.

We're on the look out for L60 Credit Risk Managers at the moment, you can read more in our Data Progression Framework

🙌What’s in it for you

💰€108,000 - €132,000 + Incentive Awards tied to your performance

📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week.

⏰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. 

🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

📚€1,200 learning budget each year to use on books, training courses and conferences.

🏥Private healthcare scheme

💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 3 key steps

• Recruiter call 
• Initial call with the hiring manager 
• Final loop of interviews (x3)

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated.

#LI-MOS1

⭐Our Finance team

We are looking for a detailed & collaborative Finance Business Partner (EU) Partner, on a 12-month Fixed Term Contract, to help build and lead forecasting for Monzo’s European entity. We want to bring our Monzo magic to the EU and redefine the way that people interact with money. You will be at the forefront of driving growth and scale in a safe and compliant manner, whilst delivering a delightful experience for our customers.

🔑You’ll play a key role by…

• Taking overall responsibility for the forecasting and analysis for several business areas
• Taking full ownership of annual budget, forecasts and multi year plan for these business areas
• Preparing management information, insights & reporting to senior leadership team, highlighting emerging issues & potential future challenges
• Assisting with the development of various strategic & tactical initiatives
• Working independently and take the initiative to develop relationships and work across the business to help them understand financial perspectives
• Using financial expertise to drive commercial performance through accurate insights and advice
• Making sure financials are managed in line with business plans for both short and long term

🤩We’d love to hear from you if you..

• Have relevant experience within the banking / fintech sector - this is a must have
• Have demonstrable experience in finance business partnering 
• An accountancy qualification or qualified by significant experience
• Hold strong financial modelling (advanced Excel/Google Sheets) experience
• Have great analytical & problem solving skills, with the ability to identify trends, issues and recommend actions 
• Hold good interpersonal & influencing skills, ability to engage across various internal functions to develop, get buy-in and deliver outcomes across teams
• Have the ability to confidently present data in a meaningful and effective way; understanding the needs of the end users and tailoring presentations to their requirements
• Have experience building strong, trusted relationships with stakeholders at all levels
• Have experience building business cases, presenting and debating investment choices
• Demonstrate ability to be hands-on and enjoy supporting colleagues, projects or tasks both big or small
• Have strong attention to detail and organisational skills, able to support with developing new processes and streamlining existing processes to create efficiencies
• Can demonstrable SQL, data analysis experience and experience using forecasting tools

*Please note we cannot provide sponsorship for this position

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!

🙌What’s in it for you

💰A salary range of €70,000 - €87,000.

📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week .

⏰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. 

🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

📚€1,200 learning budget each year to use on books, training courses and conferences.

🏥Private healthcare scheme

💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 3 key steps

• Introductory video call with recruiter (30mins)
• Initial video call with hiring manager (30 mins)
• A series of technical and behavioural  video interviews with relevant stakeholders (45 - 60 mins each)

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated.

#LI-ÉS1

📍Dublin | 💰€45,000 - €55,000 + incentive awards tied to your performance➕ benefits | Hear from the team ✨

⭐Our Finance team

Our Finance team is growing and we’re looking for a curious, adaptive and data-focused Regulatory Reporting Analyst with a strong attention to detail to join our regulatory reporting team at Monzo EU (Ireland). The team is responsible for understanding our prudential regulatory reporting requirements, working on projects to set up and submit these and collaborating with teams across the Group. 

🔑You’ll play a key role by...

• Setting up and operating processes to produce timely, accurate and complete regulatory reporting and Pillar 3 disclosures for Monzo’s regulators (and the associated management information required for sign-off) e.g. Central Bank of Ireland
• Understanding, reviewing and documenting the applicable regulatory interpretations, such as the Capital Requirements Regulations (CRR) and Basel 3.1 
• Designing and implementing controls to ensure regulatory reporting is timely, accurate and complete and that regulatory compliance is maintained 
• Facilitating appropriate governance over regulatory reporting and ensuring compliance with the applicable control framework
• Implementation and testing (UAT) of new releases of the Bank’s automated regulatory reporting tool 
• Partnering with teams internally to help them make informed business decisions and providing regulatory reporting input into new product launches
• Ensuring any regulatory reporting you’re responsible for runs like clockwork, including leveraging data visualisation tools to build dashboards and facilitate useful insights
• Designing brilliant ways to automate your work and leverage technology to ensure we scale with the business

🤩We’d love to hear from you if…

• You’re a qualified or part qualified accountant with experience working within financial services. 
• You have previous knowledge of regulatory reporting, such as capital reporting (COREP), liquidity reporting (e.g. LCR) or financial reporting (FINREP) 
• You’re excited by data and have a sharp eye for detail, with amazing Excel or GSheets skills 
• You have experience with some coding languages like SQL would be a bonus, although a willingness to learn is just fine 
• You have a proven record of implementing processes to deliver to non-negotiable, regulatory deadlines
• You have experience in the large-scale implementation and testing (UAT) of automated reporting solutions  
• You want to automate or enhance recurring processes, particularly by leveraging technology, but know how to balance this with getting the actual reports out!
• You have an open mind, enjoy transparency and think outside the box
• What we’re doing at Monzo excites you!

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything thats listed just yet. Drop us your application, we’d love to hear from you!

🙌What’s in it for you

💰€45,000 - €55,000 ➕ incentive awards tied to your performance.

⏰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. 

🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

📚€1,200 learning budget each year to use on books, training courses and conferences.

🏥Private healthcare scheme

💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 4 key steps

• An introductory call with a Monzo Recruiter
• An initial call with the hiring manager
• A series of technical and behavioural interviews

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated.

#LI-ÉS1

📍Dublin | 💰€57,000 - €72,000 + Benefits 

*This is a 12 months fixed term contract*

⭐ Our EA team

We’re looking for an experienced Executive Assistant to join our EA team to support our CEO, COO and CFO for Monzo EU 🇪🇺

We know that an excellent EA leads to better outcomes for our customers by enabling the performance of the Executive they support. This is why we are looking for a passionate, ambitious EA who relishes working in a fast paced environment where they have an opportunity to make a real difference. 

You’ll be joining a close knit community of EAs at Monzo, 16 based in London and 2 in the US, who play a critical role in keeping Monzo running smoothly and continuously raising the bar for exceptional support.

🔑 You’ll play a key role by...

• Managing our leaders’ time to ensure their diaries are accurate, free from clashes, prioritised and creating space for them to get work done. Anticipating changes and proactively supporting them to keep their plates spinning.
• Supporting our leaders with their important weekly meetings whether that is with agenda, deck preparation, taking minutes or following up on actions.
• Keeping your finger on the pulse of their world by proactively managing their inbox and keeping it clear of clutter and escalating important information to ensure it is addressed in a timely manner.
• Relationship building across your leaders organisation and the wider company to keep your finger on the pulse of engagement. 
• Owning the logistics of your leaders work life and their events. This could look like arranging day to day transport and accommodation, planning away days and socials for their team or ensuring they have a meeting room for every meeting.
• Working as part of an Executive Office, collaborating with the Chief of Staff and People Partner to deliver for your exec. 

While your focus will be on the leader that you’re supporting there will also be opportunities to get involved in project work and other initiatives across the organisation that interest you. 

🤩 We’d love to hear from you if…

• You have experience working as an EA previously within a fast paced environment. (While not a requirement, previous experience in a start-up or scale up is preferable)
• You’re resilient and tenacious in your approach to getting things done and you’re not afraid to ask questions to gather the context you need to work autonomously
• You are excited by the opportunity to be involved in a broad surface area  and able to context switch with ease.
• You have excellent communication skills with a proven ability to write and adapt style to different audiences
• You enjoy work where attention to detail is a key strength
• You enjoy collaborating as a team to get things done
• You have prior experience using Google suite & Slack or similar tools. 

Unfortunately we cannot provide sponsorship for this position. 

The Interview Process:

Our interview process involves 4 main stages: 

• Recruiter Call (30 min): One of our Hiring team will reach out to you for an introductory conversation. 
• Take home task 
• Final interviews (2 x 60 min interviews): Role Specific & Behavioural 
• Final call with Monzo EU CEO

🙌 What’s in it for you

💰€57,000 - €72,000

📍This is a hybrid role is based in our Dublin office. Normally the Dublin team work 2-3 days in the office per week, but this can be flexible. 

⏰ 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

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-OH