jobs

Credit Model Validation Manager (Machine Learning & NPV Models)

🚀 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.

Company

Monzo

Location

Cardiff, London or Remote (UK)

Status

Open

Posted

2026-06-23T14:40:39+00:00

Monzo's second line of defence credit model validation team is hiring a manager to independently review the models behind its lending decisions. The role covers underwriting scorecards, origination PD models, NPV and unit economics models, plus wider credit risk models such as IFRS9 and stress testing. Duties include challenger models, statistical analysis, performance monitoring, validation reports and committee presentations, and expanding the use of AI tools. The posting asks for credit risk modelling experience, hands-on Python and SQL, and clear communication with non-experts.