We’re on a mission to make money work for everyone. 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. Responsibilities 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 Qualifications 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. Location / Working model This role will have a hybrid working model, based in our Dublin office 2 – 3 days a week. Benefits ⏰ 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. 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 Equal Opportunities 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. 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. Equal opportunities for everyone. #J-18808-Ljbffr
Head of Financial Health (EU) You will report directly to the Head of Borrowing, EU and work closely with the Director of Financial Health, UK. You will lead the Financial Health initiatives in the EU and act as the FinHealth lead in Europe, collaborating with the UK FinHealth team to deliver policies, strategies and analytics used to support customers in financial difficulties with Monzo. Partner with operations, tech and credit risk leadership to deliver on a robust financial health strategy, balancing good customer outcomes whilst mitigating credit loss. This includes the whole arrears lifecycle, pre‑arrears, collections and recoveries, across our lending products in the EU. Working with the broader FinHealth team to ensure the effective delivery and localisation of FinHealth capabilities for European markets, aligning with local regulatory requirements and customer needs Acting as the primary FinHealth lead in Europe by navigating the complex regulatory landscape of the European Union, ensuring our practices remain within risk appetites and comply with regional regulations Owning Collections and Recoveries outcomes, balancing good customer outcomes with strong portfolio performance Supporting our product and tech squads in shaping in‑app journeys and features that support customers facing financial difficulties, ensuring alignment with broader Monzo strategies Working with Operations to implement collections processes consistent with prescribed strategy Working with a team of data analysts to extract insights into customer behaviour and financial performance, optimising our financial health strategies Qualifications You have direct experience leading collections & recoveries strategies or products for a regulated lender in a European context Strong understanding of the critical role collections & recoveries play within the credit risk strategy of a lending business Deep knowledge of European consumer credit regulations and how they differ across member states Adaptability and ability to thrive in a fast‑moving, dynamic company environment Benefits Hybrid working model, based in our Dublin office Flexible working hours Annual leave – 34 days including public holidays Learning budget: €1,200 per year for training Pension scheme – minimum contribution 4%, company match up to 6% Wellbeing benefits: financial education, health support, mental health resources, coaching and counselling Equal opportunities 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, veteran, neurodiversity or disability status. #J-18808-Ljbffr
A prominent financial technology company seeks a Head of Financial Health (EU) to lead initiatives supporting customers facing financial difficulties. This role involves collaborating with teams across Europe, navigating complex regulations, and optimizing collections strategies. The ideal candidate will have experience in collections for regulated lenders, a strong grasp of EU credit regulations, and adaptability in a fast-paced environment. The position offers a hybrid working model in Dublin with extensive benefits including flexible hours and a generous annual leave policy. #J-18808-Ljbffr
A leading financial institution in Dublin seeks an Operations Manager for Complaints and Vulnerability. This 6-month Fixed Term Contract involves supporting process compliance, analyzing performance data, and championing customer advocacy. The ideal candidate will have experience in a CBI regulated environment, possess strong communication skills, and be adept in project delivery. The role offers a hybrid working model, flexible hours, and comprehensive benefits including annual leave and a learning budget. #J-18808-Ljbffr
Operations Manager, Complaints and Vulnerability Dublin We are looking for an experienced Complaints & Vulnerability specialist. This role will support our EU Complaints & Vulnerability Manager, working closely with them to ensure that we deliver effective support for customers in these circumstances. This will be a 6-month Fixed Term Contract (FTC). Responsibilities Supporting our EU Complaints & Vulnerability Manager to ensure that our Complaints and VAIB processes are delivered compliantly with our policies and standards, and adhere to all CBI and EU regulations Helping to review and evaluate current processes and our ways of working. You’ll work with the wider team to support in redesigning how we execute all of our complaints and VAIB processes to provide a great service, handle all contacts efficiently and effectively, and offer the best customer experience possible Supporting root cause analysis to identify any trends and customer pain points, and using this data to provide feedback to our product and operations teams Helping to review performance data confidently and using this information to drive operational improvements, highlighting areas for change where required Supporting core projects from end to end. You’ll be a contact person in Complaints, and VAIB for EU Operations and drive innovative change through collaboration with the UK Operations team, our third party partner and a wider group of stakeholders such as Product, People, Risk, Compliance and Workforce Management You’ll be a customer advocate in all you do and help build a culture that our team and partners are proud to be a part of, by helping to influence engagement across our operations teams Qualifications You have a deep understanding of how operational teams serve Complaints and Vulnerable Customers in a CBI regulated environment You have a values driven approach in line with Monzo’s core values You’ll enjoy being hands‑on, supporting our EU Complaints & Vulnerability Manager, and understand the work that an operations team does You have a proven track record of end‑to‑end project delivery and experience in leading through change You have strong communications skills and are able to deliver business wide messages in line with our values to ensure messages have landed with clarity You have experience in identifying performance trends using data to solve problems and identify opportunities You have ability to provide specific actionable feedback to a wide range of audiences and levels You have advanced skills in planning and organisation with the ability to re‑prioritise workload and be able to effectively deal with change at short notice You’re fluent in MacOS, Slack, and GSuite tools and the ability to adapt to learn new systems and processes Benefits This role will have a hybrid working model, based in our Dublin office ⏰ 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 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 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 #J-18808-Ljbffr
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. 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. Responsibilities 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. Qualifications Extensive experience in unsecured lending in Ireland. Deep understanding of lending economics and experience developing and deploying underwriting strategies and credit models. Strong analytical and data capabilities, backed by technical coding skills. SQL is a must‑have, Python and Looker experience is a plus. Experience with the development and maintenance of NPV models. Strong understanding of the regulations that apply to lending in Ireland. Track record leading and developing analytical teams. Thrives in a fast‑paced environment and is keen for the chance to improve our products and ship changes to customers. Strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadership. Experience in project management and coordination across teams. Ability to collaborate in a team with diverse skill‑sets and personality types. Highly motivated and energised by the idea of bringing a positive impact to our customers and Monzo. Benefits €108,000 - €132,000 + Incentive Awards tied to your performance Hybrid working model, based in our Dublin office 2–3 days a week. Flexible working hours. Annual Leave – 34 days including public holidays (24 holiday days + 10 public holidays). €1,200 learning budget each year. Private healthcare scheme. Pension scheme: minimum contribution 4%, Monzo matches any additional contributions up to a maximum of 6%. Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling. 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. 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. #J-18808-Ljbffr
A leading financial services provider in Dublin seeks an experienced lending analyst to lead a team developing credit and pricing strategies. You will execute growth strategies, collaborate with diverse teams, and enhance lending processes. Ideal candidates have extensive experience in unsecured lending in Ireland, strong analytical skills, and proficiency in SQL. The position offers a hybrid working model, competitive salary between €108,000 - €132,000, and a comprehensive benefits package, including extensive annual leave and professional development budget. #J-18808-Ljbffr
A financial technology company in Dublin is seeking a Credit Risk Manager to develop credit and pricing strategies for their consumer lending products. You will lead a team of analysts while collaborating with various departments to enhance product offerings, utilize data-driven insights, and monitor performance. The ideal candidate will have extensive experience in unsecured lending in Ireland, strong analytical skills, and the ability to communicate effectively with senior leadership. This role allows for a hybrid working model, requiring you to work in the Dublin office 2-3 days a week. #J-18808-Ljbffr
Finance Business Partner (12‑Month Fixed Term Contract) Dublin Finance Business Partner for Monzo’s European entity – responsible for building and leading forecasting and financial planning across multiple business areas. Responsibilities 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 taking 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 Ensuring financials are managed in line with business plans for both short and long term Qualifications Demonstrable experience in finance business partnering Accountancy qualification or equivalent significant experience Relevant experience within the banking / fintech sector Strong financial modelling experience (advanced Excel/Google Sheets) Excellent analytical & problem‑solving skills, with the ability to identify trends, issues and recommend actions Strong interpersonal & influencing skills, ability to engage across various internal functions to develop, get buy‑in and deliver outcomes across teams Ability to confidently present data in a meaningful and effective way; understanding the needs of the end users and tailoring presentations to their requirements Experience building strong, trusted relationships with stakeholders at all levels Experience building business cases, presenting and debating investment choices Ability to be hands‑on and enjoy supporting colleagues, projects or tasks both big or small Strong attention to detail and organisational skills, able to support with developing new processes and streamlining existing processes to create efficiencies Demonstrable SQL, data analysis experience and experience using forecasting tools Benefits Salary range: €70,000 – €85,000 Hybrid working model – based in our Dublin office 2‑3 days a week Flexible working hours and trust to work the hours needed to do the job well Annual leave: 34 days including public holidays (24 holiday days + 10 public holidays) €1,200 learning budget each year for books, training courses and conferences Pension scheme: minimum 4% contribution, Monzo matches any additional contributions up to 6% Wellbeing benefits – financial education, women’s and men’s health support, mental health benefits, including coaching and counselling Equal Opportunities 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, veteran, neurodiversity or disability status. #J-18808-Ljbffr
A leading fintech company in Dublin is looking for a Finance Business Partner on a 12-month fixed term contract. The candidate will be responsible for building and leading forecasting as well as financial planning across various business areas. Required skills include experience in finance business partnering, strong analytical abilities, and proficiency in financial modelling with tools such as Excel and Google Sheets. This position offers a hybrid working model and a competitive salary between €70,000 and €85,000. #J-18808-Ljbffr
