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Senior Forecasting Modeller
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📍London | 💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
Our Capital, Impairments & Forecasting Team
Our Capital, Impairments & Forecasting team (CIF) sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.
Within CIF, we are scaling up our Forecasting modelling and execution team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of forecasting and stress testing models across both well established and emerging products. Additionally the successful individual will have a key role in executing these models across high profile budgeting & stress-test exercises and building up our toolkit to quantify the impact of various strategic decisions for senior management.
Strong data and analytical skills are a must, as is experience in credit risk modelling. Prior experience developing credit risk forecasting models is desirable, but relevant model development / validation experience in IRB modelling, IFRS9 or scorecard models will also be considered. Experience as a ‘model user’ of forecasting models in the context of budgeting or stress-testing would be helpful but is not required.
We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):
- Google Cloud Platform for all of our analytics infrastructure
- dbt and BigQuery SQL for our data modelling and warehousing
- Python for data science and predictive modelling, model implementation and data visualisation (via streamlit)
- Github for version control
Your day-to-day responsibilities:
- Assist with continuous improvement of forecasting models via new developments or recalibrations.
- Construction of grounded overlays, where required, to quantify effects of future strategy changes or address known model limitations
- Furthering the development and execution of forecast model monitoring to inform an effective prioritisation of model improvements
- Presenting forecast model results to senior management
- Close collaboration with portfolio strategy, model validation, finance and external audit teams
You should apply if:
- You have a background in forecast modelling or execution
- You have relevant experience in the development and implementation of credit models (e.g IFRS9 / Forecasting / IRB)
- You have strong analytical skills and a track record of using these to deliver technical projects
- You have a solid technical toolkit. SQL and Python are our desired coding languages but experience in SAS/R will be considered. A data visualisation tool (such as Streamlit or Looker) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
- You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
- You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
- You're a team player whom your colleagues can rely on
The Interview Process:
Our interview process involves 4 main stages:
- Initial call with a member of the Forecasting team
- Technical modelling interview
- Values and collaboration behavioural interview
- A live case study problem solving interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits
📍 London (one to two days a week)
✈️ We can help you relocate to the UK
✅ We can sponsor visas
⏰ 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-LG1 #LI-Remote
Ready to apply?
Apply to Referrals Only
IFRS9 Modeller
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📍London | 💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
About our Capital, Impairments & Forecasting Team
Our Capital, Impairments & Forecasting team sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.
We are scaling up our Impairments modelling team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of IFRS 9 models (PD, LGD, EAD, macroeconomic models) across both well established and emerging products. Additionally the successful individual will have oversight of model performance, construction of PMAs/model overlays where required, model implementation, and impairment analytics for senior management.
Strong data and analytical skills are a must, as is experience in credit risk modelling and IFRS 9 provision methodology. Prior experience developing IFRS 9 models is desirable, but model development experience in IRB modelling, stress testing or scorecard models will also be considered.
We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):
- Google Cloud Platform for all of our analytics infrastructure
- dbt and BigQuery SQL for our data modelling and warehousing
- Python for data science and predictive modelling, and model implementation
Your day-to-day responsibilities:
- Assist with end-to-end development and maintenance of IFRS 9 models (PD, EAD, LGD)
- Construction of post-model adjustments / model overlays as and when required
- Implementation of new models
- Development and maintenance of economic-response models for scenario simulation and impairment
- Enhancement of model monitoring and month-end ECL reporting and analytics
- Presenting modelling results to 1LOD and 2LOD risk forums/committees
- Close collaboration with portfolio strategy, model validation, finance and external audit teams
How we work:
Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.
We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.
We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.
Work the way that works for you at Monzo! 💼
You should apply if:
- You have a background in IFRS 9 impairments
- You have end to end experience in the development and implementation of credit models (e.g PD, LGD, EAD).
- You have experience in monitoring ECLs and conducting driver analyses
- You have strong analytical skills and a track record of using these to deliver technical projects
- You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
- You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
- You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
- You're a team player whom your colleagues can rely on
The Interview Process:
Our interview process involves 4 main stages:
- Initial call with a member of the impairments team
- Technical IFRS 9 interview
- Values and collaboration behavioural interview
- A live case study problem solving interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits
📍 London (one to two days a week)
✅ We can sponsor visas
⏰ 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
Ready to apply?
Apply to Referrals Only
Overview
Bring your enthusiasm and knowledge of GIS customization to help build and test advancements to ArcGIS Arcade. Arcade is used by organisations around the world to customize their workflows, QA/QC data input, and create cutting edge visualisations. This is a fantastic opportunity to become part of the product development team and support the delivery of regular, high-quality releases in a fast-paced, dynamic environment.
Help us improve our Arcade functional capabilities, test routines, and documentation as part of the ArcGIS Pro development team developing Arcade. You’ll also collaborate with engineers on other products to ensure seamless integration across ArcGIS.
Esri has a Relocation Assistance Program and can provide support with relocating to the Cardiff, UK area for this position. Check out more details of the Esri R&D Center – Cardiff!
Responsibilities
- Apply curious, independent thought, and attention to detail to explore and understand the challenges that ArcGIS users face and provide usable, informative feedback on user experience
- Build rich and varied GIS datasets and maps, sample applications and articles that can be used to highlight product capabilities, explain scripting functions, and guide scripting best practices
- Work with your development team, and teams across Esri, to design, create, and validate the newest datasets and GIS workflows to support visualisation, map labelling, pop-ups, attribute rules and verify the functionality meets user workflows and is consistent with Esri ecosystem
- Describe GIS best practices and demonstrate how to apply these GIS workflows in internal team meetings, on product forums and websites, with customers, at Esri events, or in publications like the ArcGIS Blog
- Learn about and collaborate in AI code generation experiences to explore issues, investigate problems, and design and prototype enhancements
- Build focused test code to represent complex situations for investigation and regression testing
- Administer, automate, and manage online and database GIS systems and services to support the development of new product features and ongoing product releases
Requirements
- 2+ years of GIS experience (such as modeling, analyzing, or presenting geospatial data in a scientific, engineering, governmental, or post graduate academic environment)
- Proficiency with mapping, spatial data or GIS platforms such as ArcGIS or QGIS
- Strong problem-solving and analytic skills
- Proven initiative and creativity to find ways to explore, investigate, test and validate software behavior
- Experience of, and interest in, scripting or coding to appreciate our end users' challenges and to communicate effectively with the development team
- Excellent communication and team collaboration skills
- Bachelor’s degree in GIS, geography, computer science, engineering, or related field
- Existing work authorisation for the United Kingdom
Recommended Qualifications
- Experience and passion for working with cartography, mapping or geospatial data
- Interest in or knowledge of AI code generation and development tools
- Proven experience of user communication and education such as having been responsible for product documentation, blogs, written or video tutorials, presentations
- Familiarity using version control systems such as Git, for documentation and code
- Familiarity with some of the scripting or coding languages such as Python, Lua, JavaScript, Perl, or Typescript
- Master’s degree in GIS, computer science, engineering, or related field
Base salary is one component of our total rewards strategy. Compensation decisions and the base range for this role take into account many factors including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs.
A reasonable estimate of the base salary range is £37,080 - £58,092.
#LI-EL1
#LI-Onsite
The Company
At Esri, diversity is more than just a word on a map. When employees of different experiences, perspectives, backgrounds, and cultures come together, we are more innovative and ultimately a better place to work. We believe in having a diverse workforce that is unified under our mission of creating positive global change. We understand that diversity, equity, and inclusion is not a destination but an ongoing process. We are committed to the continuation of learning, growing, and changing our workplace so every employee can contribute to their life’s best work. Our commitment to these principles extends to the global communities we serve by creating positive change with GIS technology. For more information on Esri’s Racial Equity and Social Justice initiatives, please visit our website here.
If you don’t meet all of the preferred qualifications for this position, we encourage you to still apply!
Esri is an equal opportunity employer (EOE) and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. If you need reasonable accommodation for any part of the employment process, please email askcareers@esri.com and let us know the nature of your request and your contact information. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.
Esri Privacy Esri takes our responsibility to protect your privacy seriously. We are committed to respecting your privacy by providing transparency in how we acquire and use your information, giving you control of your information and preferences, and holding ourselves to the highest national and international standards, including CCPA and GDPR compliance.
Ready to apply?
Apply to Esri
GIS Product Engineer II – ArcGIS Maps SDKs for Native Apps
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Overview
Bring your enthusiasm and talents to Esri, creating industry leading ArcGIS products. The ArcGIS Maps SDKs allow developers to build modern mapping applications for mobile and desktop platforms, with 2D and 3D data visualisation, and online or offline access. This is a fantastic opportunity to join the product development team and support the delivery of regular, high-quality releases in a collaborative and dynamic environment.
Help us improve our cross-platform GIS software libraries, built on the latest compilers and C++ standards, and create sample apps, developer documentation, and developer outreach.
Esri has a Relocation Assistance Program and can provide support with relocating to the Cardiff area for this position. Check out more details of the Esri R&D Center – Cardiff!
Responsibilities
- Apply curious, independent thought, and attention to detail to explore and understand the challenges that ArcGIS users face and provide usable, informative feedback on user experience
- Understand the customer, who are software developers, gathering requirements and use cases that translate into actionable code and doc improvements
- Build rich and varied GIS datasets and maps, sample applications and articles that can be used to highlight product capabilities, explain APIs and guide user (developer) practices
- Work with your development team, and teams across Esri, to design, create, and validate the newest datasets and GIS workflows to support field mapping, data collection, spatial analysis and verify the functionality meets user workflows and is consistent with Esri ecosystem
- Describe GIS best practices and demonstrate how to apply these GIS workflows in internal team meetings, on product forums and websites, with customers, at Esri events, or in publications like the ArcGIS Blog
- Document technical topics and concepts, and produce developer-focused product documentation
- Learn about and collaborate in SDK environments (such as Kotlin, Qt, C#, Swift, Flutter, Python), to explore issues, investigate problems, and design and prototype enhancements
- Build focused test code to represent complex situations for investigation and regression testing
- Administer, automate, and manage online and database GIS systems and services to support the development of new product features and ongoing product releases
Requirements
- 2+ years of GIS experience (such as modeling, analyzing, or presenting geospatial data in a scientific, engineering, governmental, or post graduate academic environment)
- Proficiency with mapping, spatial data or GIS platforms such as ArcGIS or QGIS
- Strong problem-solving and analytic skills
- Proven initiative and creativity to find ways to explore, investigate, test and validate software behavior
- Excellent communication and team collaboration skills
- Experience of, and interest in, scripting or coding to appreciate our developer users' challenges and to communicate effectively with the development team
- Bachelor’s degree in GIS, geography, computer science, engineering, or related field
- Existing work authorisation for the United Kingdom
Recommended Qualifications
- Experience and passion for working with cartography, mapping or geospatial data
- Interest in or knowledge of layout, typography, and fonts for international text
- Proven experience of user communication and education such as having been responsible for product documentation, blogs, written or video tutorials, presentations
- Familiarity using version control systems such as Git, for documentation and code
- Familiarity with some of the scripting or coding languages which our SDKs target, and which we use for automation, such as using Kotlin, Qt, .Net, Swift, Flutter, Typescript or Python
- Master’s degree in GIS, computer science, engineering, or related field
Base salary is one component of our total rewards strategy. Compensation decisions and the base range for this role take into account many factors including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs.
A reasonable estimate of the base salary range is £37,080 - £58,092.
#LI-EL1
#LI-Onsite
The Company
At Esri, diversity is more than just a word on a map. When employees of different experiences, perspectives, backgrounds, and cultures come together, we are more innovative and ultimately a better place to work. We believe in having a diverse workforce that is unified under our mission of creating positive global change. We understand that diversity, equity, and inclusion is not a destination but an ongoing process. We are committed to the continuation of learning, growing, and changing our workplace so every employee can contribute to their life’s best work. Our commitment to these principles extends to the global communities we serve by creating positive change with GIS technology. For more information on Esri’s Racial Equity and Social Justice initiatives, please visit our website here.
If you don’t meet all of the preferred qualifications for this position, we encourage you to still apply!
Esri is an equal opportunity employer (EOE) and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. If you need reasonable accommodation for any part of the employment process, please email askcareers@esri.com and let us know the nature of your request and your contact information. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.
Esri Privacy Esri takes our responsibility to protect your privacy seriously. We are committed to respecting your privacy by providing transparency in how we acquire and use your information, giving you control of your information and preferences, and holding ourselves to the highest national and international standards, including CCPA and GDPR compliance.
Ready to apply?
Apply to Esri
C++ Software Engineer II - ArcGIS Maps SDKs for Native Apps
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Overview
Bring your passion for C++ to help us develop a cross-platform mapping SDK that runs on desktop and mobile devices using the latest compilers and C++ standards. At Esri, we love making a difference and leading the way in developing innovative technology. This is a great opportunity to design and develop next-gen Esri technology - initially focusing on text: calculation, de-confliction, positioning and real-time rendering for 2D and 3D.
Esri has a Relocation Assistance Program and can provide support with relocating to the Cardiff area for this position. Check out more details about the Esri R&D Center – Cardiff!
Responsibilities
- Build C++ software components that follow industry and team-standard design patterns, development methodologies, and deployment models
- Develop excellent software for use in field mapping, data collection, sensor networks, street navigation, and more, with the initial focus being on text related components
- Collaborate with other software and product engineers throughout the development process
- Discuss user requirements; design and develop library APIs and implementations
- Research, analyse, articulate, and solve complex problems with design, development, testing, and documentation
- Learn and collaborate in SDK environments and languages, for testing, investigation and prototyping
Requirements
- 2+ years of commercial/academic software development experience, including debugging algorithms, and designing functions and class structures
- Fluent in, and keen to engineer with, modern C++ (14/17/20) and STL, including smart pointers, optional, variant, lambda expressions, move semantics and template programming
- Experience with IDEs, compilers, and development tools for Linux, Windows or MacOS
- Object oriented design skills
- Understanding of algorithms and design patterns
- Ability to work closely with the team to build quality software in a constantly evolving environment
- Effective time management and organisational skills
- Excellent written and verbal communication skills
- Bachelor’s degree in computer science, engineering, mathematics, mapping, GIS, or related field
- Existing work authorisation for the United Kingdom
Recommended Qualifications
- Experience in complementary design approaches such as Value-based, Data-Oriented, Multithreading, Parallelisation, Functional or Compile-time
- Interest in or knowledge of text layout, typography, fonts, and libraries such as ICU and HarfBuzz
- Familiarity with GIS applications and technologies
- Familiarity with some other languages which our SDKs target or are used in infrastructure (such as Kotlin, Qt, C#, Swift, Flutter, Typescript or Python)
- Master’s degree in GIS, computer science, engineering, or related field
Base salary is one component of our total rewards strategy. Compensation decisions and the base range for this role take into account many factors including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs.
A reasonable estimate of the base salary range is £39,600 - £67,320.
#LI-EL1
#LI-Onsite
The Company
At Esri, diversity is more than just a word on a map. When employees of different experiences, perspectives, backgrounds, and cultures come together, we are more innovative and ultimately a better place to work. We believe in having a diverse workforce that is unified under our mission of creating positive global change. We understand that diversity, equity, and inclusion is not a destination but an ongoing process. We are committed to the continuation of learning, growing, and changing our workplace so every employee can contribute to their life’s best work. Our commitment to these principles extends to the global communities we serve by creating positive change with GIS technology. For more information on Esri’s Racial Equity and Social Justice initiatives, please visit our website here.
If you don’t meet all of the preferred qualifications for this position, we encourage you to still apply!
Esri is an equal opportunity employer (EOE) and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. If you need reasonable accommodation for any part of the employment process, please email askcareers@esri.com and let us know the nature of your request and your contact information. Please note that only those inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address.
Esri Privacy Esri takes our responsibility to protect your privacy seriously. We are committed to respecting your privacy by providing transparency in how we acquire and use your information, giving you control of your information and preferences, and holding ourselves to the highest national and international standards, including CCPA and GDPR compliance.
Ready to apply?
Apply to Esri
🚀 We’re on a mission to make money work for everyone.
We’re waving goodbye to the complicated and confusing ways of traditional banking.
After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.
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 ❤️
📍London | 💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
About our Capital, Impairments & Forecasting Team
Our Capital, Impairments & Forecasting team sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.
We are scaling up our Impairments modelling team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of IFRS 9 models (PD, LGD, EAD, macroeconomic models) across both well established and emerging products. Additionally the successful individual will have oversight of model performance, construction of PMAs/model overlays where required, model implementation, and impairment analytics for senior management.
Strong data and analytical skills are a must, as is experience in credit risk modelling and IFRS 9 provision methodology. Prior experience developing IFRS 9 models is desirable, but model development experience in IRB modelling, stress testing or scorecard models will also be considered.
We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):
- Google Cloud Platform for all of our analytics infrastructure
- dbt and BigQuery SQL for our data modelling and warehousing
- Python for data science and predictive modelling, and model implementation
Your day-to-day responsibilities:
- Assist with end-to-end development and maintenance of IFRS 9 models (PD, EAD, LGD)
- Construction of post-model adjustments / model overlays as and when required
- Implementation of new models
- Development and maintenance of economic-response models for scenario simulation and impairment
- Enhancement of model monitoring and month-end ECL reporting and analytics
- Presenting modelling results to 1LOD and 2LOD risk forums/committees
- Close collaboration with portfolio strategy, model validation, finance and external audit teams
How we work:
Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.
We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.
We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.
Work the way that works for you at Monzo! 💼
You should apply if:
- You have a background in IFRS 9 impairments
- You have end to end experience in the development and implementation of credit models (e.g PD, LGD, EAD).
- You have experience in monitoring ECLs and conducting driver analyses
- You have strong analytical skills and a track record of using these to deliver technical projects
- You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
- You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
- You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
- You're a team player whom your colleagues can rely on
The Interview Process:
Our interview process involves 4 main stages:
- Initial call with a member of the impairments team
- Technical IFRS 9 interview
- Values and collaboration behavioural interview
- A live case study problem solving interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits
📍 London (one to two days a week)
✅ We can sponsor visas
⏰ 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
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, 2024 Diversity and Inclusion Report and 2024 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.
If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊
Ready to apply?
Apply to Monzo
🚀 We’re on a mission to make money work for everyone.
We’re waving goodbye to the complicated and confusing ways of traditional banking.
After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.
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 ❤️
📍London | 💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
Our Capital, Impairments & Forecasting Team
Our Capital, Impairments & Forecasting team (CIF) sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.
Within CIF, we are scaling up our Forecasting modelling and execution team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of forecasting and stress testing models across both well established and emerging products. Additionally the successful individual will have a key role in executing these models across high profile budgeting & stress-test exercises and building up our toolkit to quantify the impact of various strategic decisions for senior management.
Strong data and analytical skills are a must, as is experience in credit risk modelling. Prior experience developing credit risk forecasting models is desirable, but relevant model development / validation experience in IRB modelling, IFRS9 or scorecard models will also be considered. Experience as a ‘model user’ of forecasting models in the context of budgeting or stress-testing would be helpful but is not required.
We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):
- Google Cloud Platform for all of our analytics infrastructure
- dbt and BigQuery SQL for our data modelling and warehousing
- Python for data science and predictive modelling, model implementation and data visualisation (via streamlit)
- Github for version control
Your day-to-day responsibilities:
- Assist with continuous improvement of forecasting models via new developments or recalibrations.
- Construction of grounded overlays, where required, to quantify effects of future strategy changes or address known model limitations
- Furthering the development and execution of forecast model monitoring to inform an effective prioritisation of model improvements
- Presenting forecast model results to senior management
- Close collaboration with portfolio strategy, model validation, finance and external audit teams
You should apply if:
- You have a background in forecast modelling or execution
- You have relevant experience in the development and implementation of credit models (e.g IFRS9 / Forecasting / IRB)
- You have strong analytical skills and a track record of using these to deliver technical projects
- You have a solid technical toolkit. SQL and Python are our desired coding languages but experience in SAS/R will be considered. A data visualisation tool (such as Streamlit or Looker) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
- You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
- You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
- You're a team player whom your colleagues can rely on
The Interview Process:
Our interview process involves 4 main stages:
- Initial call with a member of the Forecasting team
- Technical modelling interview
- Values and collaboration behavioural interview
- A live case study problem solving interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits
📍 London (one to two days a week)
✈️ We can help you relocate to the UK
✅ We can sponsor visas
⏰ 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
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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, 2024 Diversity and Inclusion Report and 2024 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.
If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊
Ready to apply?
Apply to Monzo