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Homeware Buyer Accessories, Lighting & RugsLocation: Head Office / Hybrid (with regular UK and overseas sourcing travel)Contract: Full-time, PermanentAt Barker and Stonehouse, we believe homeware is what transforms furniture into a complete home. Accessories, lighting and rugs are not add ons; they are the layers that enhance our furniture collections, creating mood, balance and story.Were looking for a Homeware Buyer to take ownership of these categories and develop exclusive, design led collections that complement our furniture ranges and elevate how our interiors are experienced in store and online. Sourced directly from manufacturers and makers, these collections will play a key role in bringing our room sets to life.The RoleAs Homeware Buyer, you will be responsible for sourcing, developing and delivering cohesive ranges of accessories, lighting and rugs that elevate our furniture offer.Youll research trends, travel for sourcing, work closely with manufacturers on design and finish, and curate collections that feel considered, distinctive and uniquely ours. From initial concept through to in season trading, youll own your categories end to end.Key ResponsibilitiesSource and develop exclusive homeware collectionsdirectly from manufacturersTravel to factories, trade shows and sourcing markets to identify new materials, finishes and production partnersBuild collections that complement furniture ranges and create clear interior storiesBrief manufacturers clearly on design direction, materials, finishes, scale and qualityNegotiate costs, MOQs, lead times and terms to deliver strong commercial performanceBuild long term, collaborative supplier relationshipsOwn category strategy, range planning, forecasting and margin deliveryAnalyse sales performance and evolve collections seasonallyWork closely with Merchandising, Visual, Marketing and Stores to ensure collections are brought to life in store and onlineEnsure all products meet quality, compliance and ethical sourcing standardsAbout YouProven experience as aBuyerwithin homeware, interiors or lifestyle categoriesDemonstrable experiencesourcing directly from manufacturers, not simply selecting from existing cataloguesA strong eye for design, proportion, materials and finishPassion for interiors and how accessories complete a roomCommercially confident with strong negotiation and numerical skillsComfortable travelling internationally for sourcingOrganised, creative and able to manage multiple collections simultaneouslyWhy Join Barker and Stonehouse?This role offers a rare level of ownership within homeware buying, with a clear strategic purpose: enhancing and elevating our furniture collections through considered accessories, lighting and rugs. Youll lead these categories as an integral part of our interiors, shaping exclusive ranges that complete room sets and bring our furniture to life in store and online.As a family-owned business, Barker and Stonehouse takes a long-term approach to product, relationships and design. Youll have the autonomy to use your judgement, work closely with senior stakeholders, and collaborate across Merchandising, Visual and Marketing to ensure homeware is fully aligned with furniture ranges and interior stories.With hands on sourcing travel, direct manufacturer relationships and clear visibility of your work, this role is ideal for a buyer ready to take broader responsibility and influence how our collections are experienced by customers.This role is supported by a competitive salary, hybrid working and a benefits package aligned to the role and experience.Barker and Stonehouse are the UKs largest family-run furniture retailer with a strong brand and design focus. We have 12 retail stores, online, 3 concessions and work with third-party marketplaces, such as Next and Marks and Spencer. We are celebrating our 80 th anniversary this year.How to Apply : This is an opportunity for you to develop a career working for the most prestigious and established furniture retailer brand in the North East of England.If you are interested in this position, please email your CV to Linda Purdie, Head of HR.CLOSING DATE : 12 noon Wednesday, 8 July, 2026.TPBN1_UKTJ

🚀 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 and bank accounts, we offer , , a and in the UK, with more exciting things to come beyond. Our UK customers can also , and _ 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 ❤️ _ ✨ FinHealth, Team Manager. 📍Remote | 💰 £32,200 - £40,750 +_ About us: We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque. We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves. We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo. About our Financial Difficulties Team: In our department we're responsible for making sure we support our customers who are in potential or actual financial difficulties. It's our role to assess the customer situation and provide the right level of support for them. This could be supporting them with a lending product they have with Monzo through a repayment plan, offering Breathing Space or it could be through signposting them to a different organisation if their financial difficulties span much wider than just Monzo. We currently have 3 different areas within our department. These are; Collections where we support all of our customers who are in or potentially in financial difficulties through our In App Chat function. We also call customers back and deal with some email queries when the customer prefers those channels. The second area is Recoveries. This is where we support customers who are much further into the collections journey and have often already defaulted on their lending product. The final area is our Back Office function where we support customers through our third party processes and partners. What you’ll be working on: As a Team Manager, you have two main focuses: • Helping each member of your team with their personal and professional development, listening to them, guiding them through hard times and celebrating their successes., • Making sure our customers are happy, satisfied, and their issues are fixed quickly and completely. This will involve organising people around you and taking quick action when you see a problem coming – whether it's helping to build scalable processes that are fit for purpose, supporting a training need, or addressing something going wrong. This role can be done by someone who is Distributed or based in the Cardiff Office. You will work 37.5 hours per week Monday to Friday including 1 weekend in 8. Shifts will mainly be between 8am - 8pm, on a rotational basis. Your day-to-day • Managing a Team of 10-12 COps (although this may sometimes stretch up to 15 as we’re growing so quickly), by holding weekly meetings with your Team members - as individuals and as a group, • Instilling a strong customer-centric culture and making sure everyone stays focused on what really matters: helping our customers with their financial lives, • Coaching and supporting your team to achieve their personal, professional and performance goals, • Empowering others to spot opportunities to make a difference to customers and Monzo’s ways of working, • Helping your team with the most difficult queries and building their knowledge around complex issues, • Managing performance by giving sometimes difficult feedback and helping your Team members to improve and learn, • Regularly reviewing the quality of your team’s customer interactions to identify areas of potential improvement, both individually and structurally, • Ensuring the secure storage and maintenance of sensitive personal data and performance related documents for reports, • Motivating your Team – we're growing fast and need to make sure COps stay engaged during challenging periods of demand, • Ensuring everyone in your Team feels they have a voice, • Working closely with other Team Managers to ensure that best practice is shared, • Aggregate the feedback from your Team into the Domain and wider COps leadership, to ensure we continue to improve on our processes and tooling, • Would also be to champion and embed change and to be a role model for the team, • Supporting our customers directly when there is a business need You should apply if: • You're a UK resident and currently work in the UK (our roles are only distributed within the UK), • You already have the right to work in the UK, • You have experience working in the Tech, Financial or Contact Centre environments, • Experience in coaching and supporting colleagues is essential, • You will have a working knowledge of HR processes, including performance and absence management, • Being an SME in Financial Health at Monzo and have completed Financial Health Collections and vulnerability training would be an advantage, • You have an empathetic and developmental leadership style, • You have experience of motivating teams working on ongoing operational work, • You're very hands-on and solve problems when you spot them, • You're comfortable moving fast and in control Working in Financial Difficulties, Collections or Recoveries Management in a leadership role is preferred, but not essential. The Interview Process: Our interview process involves 2 main stages: • Application, • Recruiter call, • Interview (1 Hour Role Specific) The Start Date for this role is Monday 15th September 2025 What’s in it for you: 💰 £32,200 - £40,750 depending of level of experience. ⏰ 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_ #LI-REMOTE #LI-GM 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 , 2024 and 2024 _ 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 😊

Our Collections team are the financial health heroes at the core of Monzo. Prior experience in Collections, Debt Recovery.

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative _. Role Overview We are hiring a Lead Risk Manager to own and scale our iOS (Apple) lending portfolio in Nigeria. This is not a monitoring role. This is not a reporting role. This is a P&L-impacting, GP/ECL ownership role. You will: • Own Gross Profit (GP), • Own Expected Credit Loss (ECL), • Own risk-adjusted unit economics, • Own portfolio scaling decisions, • Own credit policy direction You will lead policy, experimentation, analytics, and performance — and be accountable for portfolio outcomes end-to-end. This is a high-impact role. Key Responsibilities GP & ECL Ownership • Own portfolio-level GP and ECL performance, • Maintain ECL/Revenue within risk appetite, • Optimise:, • PD, • LGD, • Exposure limits, • Pricing, • Tenure strategy, • Build and manage loan-level and user-level NPV frameworks, • Ensure scaling decisions improve long-term portfolio PV You must think in: • Risk-adjusted margin, • Behavioural lifetime value, • Capital efficiency, • Sustainable growth Credit Policy Leadership • Design and implement credit policy changes, • Define clear hypotheses before rollout, • Quantify impact across:, • FPD, • Roll rates, • NPL, • ECL, • NPV, • GP uplift, • Present before/after impact analysis, • Ensure policy governance and documentation standards Every policy change must be: • Hypothesis-driven, • Controlled, • Measurable, • Financially justified Portfolio Scaling & Experimentation • Design and execute A/B and multivariate tests, • Ensure statistical validity and bias control, • Measure impact beyond FPD — full unit economics view, • Scale winning strategies quickly, • Terminate underperforming experiments fast You must be comfortable making decisions under uncertainty — but never without data. Unit Economics & PV Mastery You must deeply understand: • Loan-level NPV, • User-level NPV, • Behavioural EIR, • Discounting logic, • Lifetime value modelling, • Risk-adjusted CAC impact You should be comfortable explaining why tenure, pricing, or exposure shifts change portfolio PV. End-to-End Credit Product Ownership • Acquisition risk filters, • Limit assignment logic, • Pricing bands, • Tenure optimisation, • Top-up strategy, • Collections alignment, • Fraud overlays, • Model strategy alignment You must understand how underwriting decisions today affect collections 90+ days later. Team Leadership & Analytical Excellence • Lead and build a high-performance risk/analytics team, • Set weekly performance rhythms, • Ensure dashboards are decision-grade, • Review analysis rigorously, • Maintain strong data governance We expect someone who: • Gets into SQL when needed, • Reviews modelling logic, • Challenges assumptions, • Doesn’t hide behind slides This is a builder role. • Portfolio scaled profitably, • ECL/Revenue within risk appetite, • Positive portfolio NPV under stress assumptions, • Strong experimentation culture embedded, • Clear policy governance framework, • iOS portfolio positioned for multi-market scaling, • 6–10+ years in consumer credit risk, • Strong exposure to African lending markets (Nigeria preferred), • Proven ownership of GP and ECL, • Experience scaling digital portfolios, • Advanced knowledge of:, • PD / LGD / EAD frameworks, • Roll-rate modelling, • IFRS9 concepts, • NPV modelling, • Pricing optimisation, • Strong SQL and analytical tooling comfort, • Deep A/B experimentation experience, • 25 days paid vacation, Sick & Public Holidays to B2B contractors., • Remote (timezone must have significant overlap with CET)., • Training & Development budget., • Paid company business trips. Recruitment Process • Screening call with Recruiter: 45 minutes., • Technical Interview with Chief Credit Officer

SALARY: £35,000 - £40,000 D.O.E HOURS: 37.5 hours per week, Monday - Friday LOCATION: Albert road/Avonmouth, Hybrid working Contracts & Materials Coordinator About Bristol Waste Company: What we do is important – we’re here to keep Bristol, and beyond, clean, and safe. We do this for our city’s residents, workers, visitors, and businesses. Our work helps deliver Bristol’s sustainability targets in partnership with the council. Bristol Waste’s commercial operation, where we serve businesses and organisations across the region, is also growing. Our ambition is to provide good quality, value for money services, and we continue to deliver a social value impact worth more than £30 million every year. We want people who share our values and want to work with us to drive our business forward. Purpose of the role: To assist with the delivery of the waste operations and treatment services through the management, supervision and administration of various contracts. To assist with key data management and data reporting, budget monitoring and forecasting, along with management of the weighbridge systems. Key Responsibilities: • Supporting Material Sales Manager in all aspects of material offtake contract management arranging for the safe and cost-effective transfer and treatment of wastes, • Assisting with contractor monitoring and management, processing of contract and other payments, recording and manipulation of data., • Continuous updates and records maintained across all site weighbridges on internal system (Weightron), • Assist in the management and control of the weighbridge system, including monitoring of waste flows, data interrogation and manipulation, reporting, database administration, financial reconciliation, customer and user management., • Assist with key data management to include the collation and interrogation of data from internal and external sources, forecasting, data manipulation and presentation of data., • Assist in the preparation and production of waste contract documents and specifications, selection of tenderers, tender invitation and evaluation., • Assist in the sale and supply of materials, including market analysis and monitoring, engaging the market for prices, arranging collections, administering payments, general record keeping and administration., • Assist with budget monitoring, control and forecasting., • Keep abreast of waste management legislation, • Deputise for Materials Sales Manager as required., • Regular Duty of Care visits to our material processors are completed in accordance with our BMS (Business Management System) Essential Requirements for the Role: • Minimum of 3 years contract management and contract administration experience, • A degree or equivalent experience, • A full UK driving license, • Knowledge and experience in weighbridge applications to include data base management, user access control, billing functions, reporting and analysis, • Experience of contract management in a waste environment, • Knowledge of relevant waste legislation, • Ability to analyse complex information and present it logically, • Excellent data interrogation skills, • Excellent and effective written and verbal communication skills, • Organised and self-motivated with the ability to work with minimal supervision, • Excellent organisational and time management skills, • Able to liaise and work with multi-disciplinary teams, colleagues and stakeholders, • Numerate, computer literate and excellent attention to detail, with practical experience of Microsoft Office products, in particular Word and Excel, • Able to pick up on systems management is critical in this role Full Job Description can be provided upon request. Our Benefits: • Annual leave package of 25 days plus 8 bank holidays., • Employer contribution of 5% into the company pension scheme., • Support for Mental Health, including a BUPA Employee Assistance Programme that provides support covering Mental Health, Financial and Family related topics. We also have Mental Health First Aiders across the business., • Support for your Physical Health with our BUPA Health Cash Plan (we cover the cost of coverage for you), Cycle to Work scheme and an onsite Physiotherapist. All are free for our colleagues., • Because we value our colleagues, we want to recruit more employees just like them, which is why we have our employee referral scheme., • Dedicated learning and development team. We take pride in developing our colleagues and some examples of this include our In-House Driver Development Programme and internal promotions. Many of our Senior Leadership Team have developed from Operational roles, such as one of our Contract Managers who started as a Street Cleanser., • Employee recognition ‘Stand Out Award’ and long service awards. To celebrate our colleagues wherever they are on their journey with us, we recognise and celebrate talent., • We recognise that everyone is different and strive to create an environment that supports all colleagues through flexible working. We have introduced a hybrid working model where possible and actively encourage part-time working, job sharing and flexibility on hours. If this interests, you please do get in touch, and we can start a conversation. Everyone belongs: At Bristol Waste everyone belongs – we are proud of being a truly inclusive organisation. We give fair and equal consideration to all applications. We encourage and welcome applications from people of all ages, genders ethnicities, nationalities, disabilities, religions or beliefs and of neuro divergence. Important note on applying: • Please apply as soon as possible and before 23:59 on the closing date. Sometimes we close vacancies early if we receive a high number of quality applications., • Due to the high volume of interest, we won’t be able to receive late applications and we are currently unable to respond to all who apply., • If you haven’t heard from us within three weeks of the closing date, it unfortunately means you won’t be invited to interview on this occasion. Contact us: Please contact our People Services team to discuss this role, your application, or any reasonable adjustments and support in applying for this position: • recruitment@bristolwastecompany.co.uk, • 0117 440 6676 Thank you for your interest in joining Bristol Waste Company.

We’re looking for an Account Manager Our Account Managers are trusted advisors with the consultative sales skills to be able to explain complex products, convert opportunities and nurture a portfolio of businesses to drive growth. iwoca customers receive a dedicated Account Manager from the point of application, so you’ll have control of the end-to-end customer journey from on-boarding to retention. About us Fast, flexible finance empowers small businesses to manage their cash flow better and seize opportunities - making their business and the economy stronger as a whole. At iwoca, we do just that. We help businesses get the funds they need, when they need it, often within minutes. We’ve already made several billion in funding available to over 100,000 businesses since we launched in 2012, and positioned ourselves as a leading Fintech in Europe. Our mission is to finance one million businesses. We’ll get there by continuing to make our finance ever more relevant and accessible to more businesses by combining cutting-edge technology, data science and a 5-star customer service. Our culture We’re expanding fast across our offices in London, Leeds and Frankfurt. With all this growth, we’re looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses. Your mission Convert customers and maximise revenue, from onboarding of new prospects to nurturing a portfolio of existing customers. Manage businesses end to end through our customer journey, providing industry leading service levels by exceeding our customer’s expectations. Build and maintain strong, long-lasting relationships with small businesses. You’ll be an expert in SMEs and the business lending market, helping them achieve their goals with the support of iwoca. Adhere to our Compliance framework ensuring all customers are treated fairly. Liaise with varied teams within iwoca, you’ll need to effectively collaborate with Sales, Underwriting, Collections, Quality Assurance and Partnerships teams to achieve the best outcome for your customers. Drive change throughout the business through structured feedback, ensuring we always provide customers with the best possible experience across all aspects of iwoca. Requirements We look for people who are smart, humble, motivated and who are always looking to improve. Ideally you'll have: Proven customer relationship management experience. Consultative sales skills that enable you to understand customer needs and match the right product or service to them. Experience explaining complex products and services to customers. A strong track record of not only meeting, but exceeding KPIs to drive both your and the team’s performance. Brilliant communication skills with an excellent telephone manner and a passion for delighting customers. A growth mindset that is engaged in our mission, helping us to improve how we convert and serve our customers and motivated to collaborate with team mates. Whilst we welcome applications from all qualified candidates, please note that this particular position does not offer visa sponsorship. Candidates must be eligible to work in the UK independently. Work-life balance is incredibly important at iwoca and we offer flexible working so you can make better use of your free time. This is a hybrid role in which you can split your time between the office and home. The salary Our base salary range in Leeds is £30,000 - £37,000 + bonus (OTE 20%). Our base salary range in London is £34,000 - £41,000 + bonus (OTE 20%). We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business. Our benefits We put a lot of effort into making iwoca a brilliant place to work: Offices in London, Leeds and Frankfurt. Events and clubs, like bingo, comedy nights, yoga classes, football… Two company retreats a year, we’ve been to France, Italy, Spain and further afield Plenty of drinks and snacks in our offices We offer a wide range of benefits: Medical insurance from Vitality, including discounted gym membership 25 days’ holiday, an extra day off for your birthday and the option to buy or sell an additional 5 days of annual leave Instant access to emotional and mental health support with our partner, Spill Share options Generous maternity and paternity leave A nursery tax benefit scheme to help you save money Paid volunteering day to support your chosen charity Extra leave if you want to travel or study One-month fully paid sabbatical after 4 years Cycle-to-work scheme Electric car scheme And to make sure we all keep learning, we offer: An L&D budget for everyone, including a book budget Company-wide talks with internal and external speakers Access to learning platforms like Treehouse if you want to learn to code

• Establish interior decorative brand with 100 year+ history with global presence Specification Sales Manager - interior products Area: London & surrounding areas The Role of Specification Sales Manager - interiors • This is a home / field based role., • This is an A&D specification sales role selling the companies leading range of interior products to A&D architects., • As Specification Sales Manager, you will be tasked with generating specifications with A&D architects and specifiers, interior designers, retail end users and contractors., • As Specification Sales Manager, you will be required to work closely with the dedicated field sales / business development teams who will support you., • Typical project order values range between £1k - £150k. The Company hiring a Specification Sales Manager Out client are a well known leading heritage brand and manufacturer of interior decorative products. They design and manufacturer modern on-trend interior products that are used, and can be seen in a various commercial projects that include commercial offices, schools, retail stores, hospitals and museums etc. They have continued to grow year-on-year and have firmly established themselves as a market leader. Our client are an established name within the A&D community and have recently invested several £million in new product launches adding on-trend collections to their impressive portfolio. Our client are group backed, with massive financial resource, marketing and excellent customer services. The Candidate (Specification Sales Manager) • Specification Sales experience - interiors (A&D) or heavy side is preferred, • Polished field sales professionals with a flair for interior design (and credibility to converse with architects), • Our client with also consider a candidate that works in a design showroom that is looking to break into specification sales, • People with interior design backgrounds with no field sales experience are also welcome to apply The Package on offer for the Specification Sales Manager • up to £50,000, • Bupa Healthcare, • 25 days holiday plus stats, • competitive bonus structure, • Generous car allowance, • Excellent benefits Ref: CPJ1700 Industry Sector: Specification Sales, Architects, A&D, Interior Designers, Interior Products, Quartz, Surfaces, Flooring, Furniture, Paint, Architects, Interior Designers, Showroom Managers, Showroom Sales, Main Contractors, Shop Fitting, Facades, A&D Commercial Projects, Contractors and Distributors The Package on offer for the Specification Sales Manager • up to £50,000, • Bupa Healthcare, • 25 days holiday plus stats, • competitive bonus structure, • Generous car allowance, • Excellent benefits

Huntswood is seeking experienced Secured Lending Collection Advisers to join a team focused on Secured Lending Collections for a large bank. This role will primarily involve inbound and outbound telephony, supporting customers in financial difficulty, including those who may be vulnerable. You will manage inbound and outbound calls to negotiate payment plans that balance customer needs with business goals, while providing clear guidance on account status and options. You will maintain accurate records, escalate complex cases when needed, and ensure all activity complies with policy and regulation. Role overview: Location: Working from home Duration: 4 months Rate: £200 a day - Umbrella only recruitment - This is only available to individuals working via an Umbrella company, we can assist you with this Start Date: Monday 15th September 2025 Shift: 09:00 to 17:30, Monday to Friday As a Collections Advisor you will have: • Proven experience in secured lending collections telephony role within a banking or lending environment, • An understanding on secured lending products is essential, • Strong ability to engage with and support vulnerable customers, • Comfortable working in a fast-paced, compliance-driven setting, • Excellent communication and empathy skills, • Ability to use multiple systems and update where necessary About us: Huntswood is a market leading UK contract recruiter. We are experts in sourcing skilled and qualified specialists for both large-scale client projects and niche interim appointments. By joining our team of experienced associates, you will begin a relationship with Huntswood which will open doors to more contract opportunities in the future. Interested in this Secure Collections Advisor opportunity? Apply now. To help you stay safe in your job search Huntswood will only ask for contact details via email when first contacting you and not any other personal details.

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative _. Role Overview We are hiring a Lead Risk Manager to own and scale our iOS (Apple) lending portfolio in Nigeria. You will own gross profit, expected credit loss, risk adjusted unite economics, portfolio scaling decisions and credit policy direction. You also be responsible for lead policy, experimentation, analytics, and performance — and be accountable for portfolio outcomes end-to-end. Key Responsibilities GP & ECL Ownership • Own portfolio level GP and ECL performance., • Maintain ECL/Revenue within risk appetite., • Optimise PD, LGD, exposure limits, pricing and tenure strategy, • Build and manage loan-level and user-level NPV frameworks, • Ensure scaling decisions improve long-term portfolio PV Credit Policy Leadership • Design and implement credit policy changes, • Define clear hypotheses before rollout, • Quantify impact across FPD, roll rates, NPL, ECL, NPV and GP uplift., • Present before/after impact analysis, • Ensure policy governance and documentation standards Portfolio Scaling & Experimentation • Design and execute A/B and multivariate tests, • Ensure statistical validity and bias control, • Measure impact beyond FPD — full unit economics view, • Scale winning strategies quickly, • Terminate underperforming experiments fast Unit Economics & PV Mastery • You must deeply understand loan level NPV, user level NPV, Behavioural EIR, discounting logic, lifetime value modelling and risk adjusted CAC impact. End-to-End Credit Product Ownership • Acquisition risk filters, • Limit assignment logic, • Pricing bands, • Tenure optimisation, • Top-up strategy, • Collections alignment, • Fraud overlays, • Model strategy alignment Team Leadership & Analytical Excellence • Lead and build a high-performance risk/analytics team, • Set weekly performance rhythms, • Ensure dashboards are decision-grade, • Review analysis rigorously, • Maintain strong data governance, • Portfolio scaled profitably, • ECL/Revenue within risk appetite, • Positive portfolio NPV under stress assumptions, • Strong experimentation culture embedded, • Clear policy governance framework, • iOS portfolio positioned for multi-market scaling, • 6–10+ years in consumer credit risk, • Strong exposure to African lending markets (Nigeria preferred), • Proven ownership of GP and ECL, • Experience scaling digital portfolios, • Advanced knowledge of PD / LGD / EAD frameworks, roll rate modelling, IFRS 9 concepts, NPV modelling and price optimization., • Strong SQL and analytical tooling comfort, • Deep A/B experimentation experience, • 25 days paid vacation, Sick & Public Holidays to B2B contractors., • Remote (timezone must have significant overlap with CET)., • Training & Development budget., • Paid company business trips. Recruitment Process • Screening call with Recruiter: 45 minutes., • Business Case Study, • Technical Interview & Case Study Review with Chief Credit Officer, • Final Interview with CEO

🚀 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 and bank accounts, we offer , , a and in the UK, with more exciting things to come beyond. Our UK customers can also , and _ 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 or Remote (UK) | 💰 £155-175,000 + Options + _ 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. With our Flex product we’re reinventing credit cards to give customers more visibility and control over their spending. Our portfolio is growing rapidly and we’re expanding our team to support our future growth ambitions. We’re looking for a Director to lead the credit strategy for Flex originations. You will lead the team responsible for developing the credit and pricing strategies as we evolve our existing propositions and develop new products and distribution strategies. 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. How you’ll contribute: • Lead a team that will develop credit and pricing strategies for our growing range of Flex products and distribution channels, • Work closely with squad leadership to develop and execute an ambitious growth strategy for Flex, • Oversee the development and maintenance of the NPV models and affordability strategies that underpin the Flex underwriting decisions, • Promote a culture of proactive, high quality analysis and ensure we have the right credit capabilities, infrastructure and talent in place to scale safely, • Collaborate with the Decision Science team to maximise value from our internal and external data through cutting-edge ML models, • Partner closely with key stakeholders including Capital, Impairments and Forecasting, Financial Health (Collections and Recoveries), Finance, Second Line Credit Oversight, • Be a member of the Borrowing Leadership Team which drives Monzo's overall borrowing strategy You should apply if: What we’re doing here at Monzo excites you! • You have multiple years of experience in unsecured lending, especially credit cards, • You’re as comfortable getting hands-on as well as taking a step back and thinking strategically and proactively identifying opportunities, • You have a working understanding of the regulations that apply to lending in the UK, • You have experience working at banks with growing lending portfolios, • You have track record leading analytical teams, • You are a clear and precise communicator, able to cut through complex problems and articulate decision points for our executive team, • Are comfortable working in a fast-moving and changing company, • (Ideally) you have working knowledge of SQL and Python The Interview Process: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! • Recruiter call, • Initial call with the hiring manager, • Final loop of interviews meeting the team Our average process takes around 3-4 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 but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com What’s in it for you: ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ 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_ #LI-REMOTE #LI-NJ1 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 , 2024 and 2024 _ 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 😊

Homeware Buyer Accessories, Lighting & Rugs Location:Head Office / Hybrid (with regular UK and overseas sourcing travel) Contract:Full-time, Permanent At Barker and Stonehouse, we believe homeware is what transforms furniture into a complete home. Accessories, lighting and rugs are not add ons; they are the layers that enhance our furniture collections, creating mood, balance and story. Were looking for a Homeware Buyer to take ownership of these categories and develop exclusive, design led collections that complement our furniture ranges and elevate how our interiors are experienced in store and online. Sourced directly from manufacturers and makers, these collections will play a key role in bringing our room sets to life. The Role As Homeware Buyer, you will be responsible for sourcing, developing and delivering cohesive ranges of accessories, lighting and rugs that elevate our furniture offer. Youll research trends, travel for sourcing, work closely with manufacturers on design and finish, and curate collections that feel considered, distin...

We are looking to recruit an experienced HGV 2 multi-drop driver. Working from our York depot you will be responsible for driving a class 2 vehicle and for delivering within the YO postcode. The ideal candidate will have previous multi-drop experience. On average you will have 15 drops and about 5 collections to do daily. You will be physically fit as handball will be required. You must hold a valid HGV 2 licence, CPC and tacho card. You will have held your licence for a minimum of 2 YEARS with no more than 6 minor endorsements. £17 per hour is based on having 2 YEARS driving experience. Typical start time 0800 Working Monday to Friday This could be a temp to perm position for the right candidate Please send your CV or call for further information JBRP1_UKTJ

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Helping others improve and turn their lives around – there’s no better feeling.It’s what we do for thousands of people at more than 150 sites across the UK.We value our talented employees, and whenever possible strive to help one of our associates grow professionally before recruiting new tale