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ð 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. Apply promptly! A high volume of applicants is expected for the role as detailed below, do not wait to send your CV. 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 ðLondon or Remote (UK) | ð79,000, • 93,000 + Incentive Awards tied to your performance + BenefitsAbout the team:Our Borrowing (lending) business is growing rapidly across both existing products and with the planned launch of new initiatives. As our lending portfolio grows, our second line of defence Credit Model Validation team is growing with it • and we’re looking for a Credit Model Validation Manager to join us!Our Credit Model Validation team provides independent oversight and challenge to our model development teams in the first line of defence. We help Monzo grow safely and make sure the models we use are fit for purpose, appropriately governed and deliver good outcomes for our customers. You’ll join our validation squad and provide expert independent validation and oversight across a broad suite of credit models.This is a generalist role rather than one focused on a particular model type. You’ll work across models used for impairment, capital, stress testing, forecasting and credit decisioning, including IFRS 9 PD, LGD, EAD and economic response models; decision science scorecards and origination PD models; and Net Present Value (NPV) / unit economics models.Strong data and analytical skills are a must, as is broad expertise in credit risk modelling and model risk management. You’ll have hands-on experience in model validation and/or development within financial services, and be comfortable getting into the data and code to form an independent view across different model types.Your day-to-day Leading hands-on independent validation across Monzo’s credit model portfolio • covering models used for IFRS 9 impairment, capital and stress testing, forecasting, credit decisioning and unit economics, • and making sure they are fit for purpose, appropriately governed and performing as expectedReviewing and challenging key model-led credit risk assessments, including impairment adequacy, ICAAP and stress testing, using independent analysis to assess assumptions, limitations and impactsDeveloping a deep understanding of Monzo’s credit models and how they are used, and using this to provide impactful input and challenge to model developers and usersContributing to making model validation more consistent, scalable and technology-enabled, • building reusable analytical tools and tests, experimenting with AI-assisted approaches and helping the team embed them safelyReviewing ongoing model performance monitoring to ensure our lending models perform within our risk thresholds, and providing support to our first line of defence teams when action is requiredPerforming statistical analyses, model replication and challenger work where appropriate to test assumptions, assess performance and strengthen validation conclusionsImproving and helping to embed our Model Risk Framework, including our policies, standards, model inventory, governance and validation approach. This means making sure we follow up-to-date regulatory expectations and that our processes remain proportionate and relevant as modelling techniques evolveWriting clear and impactful model validation reports, and presenting the findings and actions in relevant committeesPartnering with colleagues in first line of defence credit strategy, modelling and finance teams • and with wider risk teams across Monzo, • to support effective model governance and consistent validation standards across the organisationYou should apply if you:Have a strong background and practical experience in credit model development and/or validation across a range of model types. You’ll have meaningful experience with IFRS 9 impairment, Internal Ratings Based (IRB) or other capital models, alongside broader exposure to several areas such as stress testing, economic response, forecasting, decision science scorecards or NPV / unit economics modellingUnderstand model risk management in practice, including independent validation, model governance, ongoing monitoring, model change and issue management, and how regulatory expectations apply across the model lifecycleAre impact-driven and want to improve how validation is done, not only complete individual reviews. You can turn repeatable work into practical methods, tools or guidance that improve quality and consistency across the team.Are curious about AI and automation, and can assess where they add value, the risks they introduce, and the controls and human oversight needed. Experience with AI-assisted analytical or coding tools is useful, but not essentialAre data driven, with strong analytical skills and deep knowledge of statistical techniques for credit and model risk. Strong SQL and Python skills are essential. You can produce clear, reusable and tested code, using collaborative practices such as version control, peer review and documentation. Experience with Tableau, Looker or similar is a plus.Can assess models in the context of how they are used • including accounting, capital, credit strategy, risk appetite and customer outcomes, • and can distinguish technical model performance from the wider risks of relying on the modelHave strong written and verbal communication skills, and are able to articulate problems and solutions using clear and simple language. This is particularly important for breaking down complex issues and priorities to non-expertsHave a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challengeOur technology stackWe 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 infrastructuredbt and BigQuery SQL for our data modelling and warehousingPython for data science and machine learningGo to write our application codeAWS for most of our backend infrastructureThe interview process:Our interview process usually involves up to four main stages via Google Meet: An initial call with our recruiterA call with our Senior Model Validation Manager, the hiring manager for the role A role-specific call with colleagues from our credit modelling and model risk teams. We’ll share a short case study in advance, but you won’t need to submit a written response; we’ll use it to guide the discussion during the interview.A behavioural interviewð What’s in it for youð 79,000 • 93,000 + Incentive Awards tied to your performance benefits.ð 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, and at times that suit you and your team.ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ We will set you up to work from home; all employees are given MacBooks and for fully remote workers we will provide extra support for your work-from-home setup. Plus lots more! Read our full list of benefits.We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can • we don’t want you to miss out!#LI-TK1Equal opportunities for everyoneDiversity 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, 2026 Diversity and Inclusion Report and 2025 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

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Ability to work from home independently and manage time effectively. So whether you're an admin, PA, credit controller, receptionist, support worker, carer, teacher, nurse, barista, cleaner, delivery driver, estate agent, advisor, chef, manager, store assistant, executive, social worker, supermarket

So whether you're an admin, PA, credit controller, receptionist, support worker, carer, teacher, nurse, barista, cleaner, delivery driver, estate agent, advisor, chef, manager, store assistant, executive, social worker, supermarket worker or night shift warehouse operative - you'll be in great compa

So whether you're an admin, PA, credit controller, receptionist, support worker, carer, teacher, nurse, barista, cleaner, delivery driver, estate agent, advisor, chef, manager, store assistant, executive, social worker, supermarket worker or night shift warehouse operative - we’re sure you’ll f

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, Cardiff or Distributed | Dependant on experience + Incentive Awards tied to your performance + Benefits | Hear from the team Our Tax team We're looking for an experienced, hands-on and enthusiastic Senior Director of Global Tax to lead the Global Tax team at Monzo, and our wider finance team. You’ll be leading our growing Tax team of 10+ individuals, and will be reporting into the Group Financial Controller (with a close partnership with the MBL Chief Financial Officer and wider Executive team). A large part of the role involves advising on the tax implications of all new business developments, ensuring we’re both set up for compliance and optimised wherever possible and appropriate. Given the stage Monzo is currently at in its growth journey, these will be many and wide ranging, from customer products to treasury strategies, group reorgs to mobility proposals, systems implementations to international expansion. Key responsibilities of the role... • Global tax strategy: Defining how Monzo approaches tax across the UK, Europe, and future markets. You will set our tax risk appetite and prepare reporting for our Audit and Risk Committee., • International expansion: Structuring cross-border expansion across Europe and future regions, advising on market-entry structures, permanent establishment risks, and local compliance., • Transfer pricing: Establishing, documenting, and defending our global transfer pricing strategy and intragroup financing arrangements., • Total tax ownership: Overseeing group Direct Tax, Indirect Tax (VAT), Employment Tax, Transfer Pricing, and Operational Customer Taxes across all locations., • Tax authority relationships: Acting as the primary liaison with HMRC and international tax authorities, proactively managing tax audits, and overseeing statutory regimes including Senior Accounting Officer compliance., • Product and commercial advisory: Working directly with product managers, engineers, and treasury to understand what they want to build (from savings pots to complex lending products) and ensuring the tax treatment is clear from day one., • Leading the team: Mentoring and leading our tax team, fostering a culture of technical excellence, autonomy, and commercial focus., • AI and automation: Designing a tech-enabled tax operating model that embeds AI, workflow tools, and automation across our compliance, reconciliations, and contract reviews; scaling our output as volumes grow while keeping the team focused on high-judgement strategic work. We’d love to hear from you if... • You’re a qualified tax professional or accountant (CTA, ACA, ACCA, ADIT, or international equivalent)., • You’ve led an in-house tax team at scale, ideally within banking, fintech, or a regulated multinational., • You’re an empathetic, effective people leader with a strong track record of coaching individuals and fostering a positive, high-performing environment., • You bring practical experience with cross-border tax issues, international structuring, and transfer pricing., • You understand operational and customer taxes common to financial services (such as FATCA/CRS, withholding taxes, and interest reporting)., • You are excited by modern technology, data, and AI, with a clear view on how tools can automate workflows, reduce human error, and modernise routine tax tasks., • You can explain complex tax positions to non-tax stakeholders, including product leads, commercial teams, and auditors., • You’re comfortable with ambiguity: we move fast, build things that haven't been built before, and you’ll frequently make calls without a standard blueprint., • What we’re doing at Monzo excites you! What’s in it for you Dependant on experience + Incentive Awards tied to your performance This role can be based in our London or Cardiff offices. We're also open to distributed working within the UK (with the expectation of some travel to our London 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. £1,000 learning budget each year to use on books, training courses and conferences. We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. Plus lots more! Read our full list of benefits . The application journey has 3 key rounds: • Phone call with the Recruiter (30 mins), • Initial Interview with the Hiring Manager (45 min), • Role Specific, Technical, Leadership & Behavioural Interviews (x4 45 mins) Our average process takes around 4 - 5 weeks but we will always work around your availability. #LI-NZ1 #LI-Remote 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 , 2026 Diversity and Inclusion Report and 2025 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

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 aspersonal 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 andcombine 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 the company London, Barcelona, or UK Remote | £150,900 to £204,100 + stock options & benefits | Visa sponsorship & relocation available We have a strong culture of data-driven decision making across the whole company. Data is central to how we understand our customers, shape our products, manage risk and grow the company sustainably. We believe in empowering teams with high-quality, trusted data and self-serve analytics, while creating space for Data practitioners to focus on the highest-impact questions, opportunities and decisions. Our Data Discipline is deeply embedded in the company’s product areas. Data Scientists, Analytics Engineers, and Machine Learning Engineers work in cross-functional squads alongside Engineers, Designers, Product Managers and other disciplines. This means Data is not a downstream service, and instead we shape strategy, challenge thinking, build the data foundations teams need to move quickly, and share accountability for customer and commercial outcomes. Our EU Data team is a full-stack Data team, and together we're building the company's presence across Europe from the ground up. We're entering new markets, learning what customers in each one need and finding product-market fit for the company. Our mission is to make money work for everyone, everywhere. As Data Director for EU expansion you'll lead the Data team and shape our product strategy as we grow, deciding where we place our bets, working out what to measure before there's a playbook, and making sure each new market learns fast enough to compound into the next. You’ll work closely with EU leadership (our EU CEO, Country Managers and VP of Product) and the company's global Leadership team (the CTO, Head of Data and other Data Directors), sitting on the EU Tech Leadership team and helping shape our global data strategy. To do this well you’ll need to relish ambiguity, bringing analytical rigour and commercial judgement to bets that often have to be made before the data is complete. You'll own the full learning loop that EU expansion runs on, and you'll co-own the product development loop alongside EU Leadership, Product and Engineering. In a new market that often means building those loops from scratch, so you're accountable not just for measuring what happens, but for framing the questions, defining what good looks like, and building the systems that answer them. You'll be a senior voice on the EU Tech Leadership team, the person who reframes the hard problems and puts a number on the trade-off between what's valuable for customers and what's valuable for the business. • You’ll decide where the company should bet as we enter each new European market, sizing the opportunity and finding product-market fit for the products and segments most likely to win., • You’ll use sharp commercial judgement to work through the ambiguity of building in a new market, from pricing and positioning to the levers that drive growth, bringing Data into strategy early so we shape priorities rather than react to decisions already made., • You’ll set the data strategy for EU and stand up the foundations each new market needs, from the events we log and the metrics and experiments we design to the forecasts markets learn from., • Lead the goal-setting process for EU Expansion, bringing clarity to metric selection and target setting, in close partnership with Finance., • You’ll represent Data directly at the ExCo level, building a shared language of metrics and analytical reasoning so that Data drives EU strategy rather than reporting on it., • You’ll drive cross-collective collaboration, spotting the high-leverage connections across the business, for example how savings features drive engagement in our Wealth collective., • You’ll build, grow and retain a high-performing, full-stack Data team, where everyone shares accountability for product and business outcomes., • You’ll raise the performance bar, develop the next generation of Data leaders, and model an inclusive, high-craft Data culture as we scale. What we're doing here at the company excites you, and the idea of helping take it across Europe especially so! • You’re a strategic data leader who has operated at Director level or above, and you're energised by zero-to-one ambiguity, having built or scaled a data function in a new market, product line or business from an early stage., • You move comfortably from detailed metrics and data architecture to customer strategy, commercial outcomes and product-market fit, and you're happy to be the opinionated voice in the room that reframes the trade-off., • You lead through learning loops and hold a high technical bar, because you've built or owned the measurement a business relies on to set goals, run experiments and improve, with the judgement to know which methods and investments will pay off., • You have experience leading company-wide or division-wide goal-setting, defining high-clarity metrics, setting targets and partnering closely with Finance., • You change how organisations make decisions, not just how one project turns out, and you have experience of the cross-collective collaboration that connects the dots across different business areas., • You're an empathetic people leader who has grown full-stack Data teams of both individual contributors and managers, comfortable representing Data at ExCo and to C-level peers, and you know what it takes to attract, develop and retain top talent., • 30 minute recruiter call, • 45 minute call with the hiring manager, • 4 x 1-hour video calls with various team members, including the General Manager for Payments, • A meet and greet with a member of EU Executive Committee Our average process takes around 3-4 weeks but we will always work around your availability. • £150,900 to £204,100 + stock options andbenefits, • We can sponsor visas, • This role can be based in our London or Barcelona 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, • We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup., • Plus lots more! Read our full list of benefits. #LI-JH1 #LI-Remote 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 the company. At the company, 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, 2026 Diversity and Inclusion Report and 2025 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

ð 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. The following information provides an overview of the skills, qualities, and qualifications needed for this role. 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 ðLondon or Remote (UK) | ð Base salary for this role is 112,000, • 145,000 + Incentive Awards tied to your performance +Benefits Engineering Management at Monzo:Engineering Managers at Monzo are part of cross-functional, autonomous teams and groups. Our teams are mission driven, and typically include Product Managers, backend, web and mobile engineers as well as data scientists, designers and subject matter experts relevant to that mission. Teams are organised into groups, and then collectives • we aim to keep our line management structure as shallow as possible, and for teams to directly own decision making relevant to their work.The Engineering Manager role at Monzo is split into three pillars, • people, product, and technical leadership. Engineering Managers are accountable for the technical and delivery outcomes for their area • that means supporting and developing best in class engineering talent, as well as creating an inclusive team environment for people to do their best work.You can read more on the expectations of Engineering Managers on our Progression Framework.The RoleWe're continuously hiring Engineering Managers as we continue to grow and build new teams. We hire on a pipeline based approach which means your application will be considered across all of our open EM positions. We use the interview process to assess your strengths and we'll match you to a role that best aligns with your experience. Of course, this is a collaborative process so you can also tell us which roles you're most interested in as you progress through interviews ð We're currently hiring across Platform, Core App, and Expansion.You’ll spend your time:Taking accountability for delivery across your squad(s), collaborating with the Technical Lead and Product Manager.Actively fostering a high bar for engineering excellence within your teams. You’re accountable for the technical outcomes your teams deliver alongside individual engineer performance and growth, so holding a high bar (and clearly articulating your expectations) is key.You’ll initially lead a group of around 7-10 engineers (depending on the role) and support, coach and develop them through their career with regular 1:1s and continuous feedback.Partner with senior engineers in your area to drive technical initiatives that raise the bar for our engineering practices.Lead on communication with stakeholders from other teams, creating focus space for engineers to do their best work.Collaborate with the wider engineering organisation to contribute to company-wide best managerial and technical practices and standards.You should apply if:While this is not a role which requires hands-on-coding, we are looking for an experienced manager who has a strong technical and delivery background and has worked as a software engineer in previous roles.We recognise that engineering managers lead in different ways, we’re looking for someone who: Is comfortable operating with ambiguous problem areas with a high degree of autonomy.It’s a bonus if you have experience working in an experimentation led environment.Has delivery experience and is able to guide the squads in achieving their outcomes.Focuses on outcomes over processes, who optimises for the highest impact and leverage.Is able to input, understand and challenge engineering decisions • but to empower the team to make those decisions themselvesHas an understanding of what good looks like for a high-performing team of engineers and ability to chart a course to get thereIs able to to coach people to achieve their goalsHas a natural ability to inspire and motivate a teamWe consider your application across all open EM roles at Monzo independent of which role you've applied for, so if you've recently applied to a similar role at Monzo and have been unsuccessful, please wait 6 months before applying again.How we work ð»:Locations & Flexible Working : Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays ð½. Teams also schedule time together often for work and play – in or around the office, or online.Set up a work schedule that delivers impact and fits your life.At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. ðWork the way that works for you with Monzo! ð¼The interview process:After an initial informal 30 min recruiting call, our interview process involves two main stages:Initial Call Interview (1 hour) You'll meet with one of our Senior Engineering Managers or Engineering Directors. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)Loop Stage (3 hours 30 mins) The Loop stage consists of 3 x 60 min interviews that take place over 1-2 days (depending on your availability) and one 30 minute reverse interview (more details below).The Loop is one stage, and the interviews in the Loop are:- Team and Org Management (1 hour)An example based interview with 1-2 of our engineering leaders. They’re interested to hear examples from your previous experience on the teams you’ve led, how you’ve shaped and partnered with product, and the impact you had.- System Design (1 hour)You'll partner with a Staff or Principal Engineer on a technical whiteboarding exercise.- Behavioural (1 hour)Similar to Team and Org Management, this is an example based interview with 1-2 Engineering Leaders. This interview focuses on your people leadership style and core behaviours as an Engineering Manager.- Chat with an Engineering Leader (30 mins)At Monzo, we believe interviews are a two-way street. This will be your opportunity to ask us any questions about Monzo, engineering leadership or our teams – whatever’s on your mind. All things going well, you'll have completed the hiring process ðOur average process takes around 3-4 weeks but we will always work around your availability. You’ll have the chance to speak to our recruitment team throughout the process. What’s in it for you:ð Base salary for this role is 112,000 • 145,000 + Incentive Awards tied to your performance We can help you relocate to the UK We can sponsor visasðWe offer flexible working with no company mandate on how often you need to come into the office. You can be London based or remote within the UK (with ad hoc visits to our London office). 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.ðLearning budget of 1,000 a year for books, training courses and conferencesAnd much more, see our full list of benefitshereWe're usually always hiring for Engineering Managers, so there's no closing date for this job.#LI-AL1 #LI-REMOTEEqual opportunities for everyoneDiversity 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, 2026 Diversity and Inclusion Report and 2025 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

ð 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. Want to make an application Make sure your CV is up to date, then read the following job specs carefully before applying. 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 ðLondon/Cardiff/UK Remote | ð108,700, • 140,000 + equity + Incentive Awards tied to your performance + BenefitsOur Financial Crime & Fraud CollectiveWe’re all about building trust and keeping our community safe while helping Monzo grow. The Financial Crime & Fraud Collective is at the heart of this work. As a Senior Fraud Risk Manager, you’ll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence!You’ll get to work across current accounts, business banking, international accounts, and more. While you’ll be managing people and programs, you should also be excited to roll up your sleeves and get hands-on.We need a crack team of crime fighters to help us stay one step ahead as we continue to grow. ð You’ll play a key role by...Helping to lead our fast-growing global Fraud & Disputes Risk team and work alongside leaders across our cross-functional Fraud Squads. We’re looking for a proactive, collaborative leader who really knows fraud risk management inside and out • spanning several of our authorised fraud, unauthorised fraud, first-party fraud, and disputes specialismsYou’ll build great relationships with our Product, Engineering, Data, and Operations teams to design smooth, effective fraud controls, investigation processes, and reporting. You’ll also champion a positive team culture and make sure key fraud initiatives stay on track.Your Core Focus Areas include:Fraud Strategy & Operational Execution: Join squad leadership to turn our big-picture fraud vision into practical roadmaps for our UK and EU Banks. You’ll strike the perfect balance between smart protection controls and a seamless customer experience.Control Framework & Fraud SME: Be our go-to expert on fraud typologies and prevention tools, overseeing end-to-end design and rollout of strong controls.Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements.Cross-Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward.People Leadership & Capability Building: Coach, mentor, and grow a fantastic fraud risk team while supporting everyone’s personal and professional development.ð We’d love to hear from you if…You have strong experience leading fraud strategy and risk teams, ideally in a fast-moving, regulated environment.You know UK & EU fraud regulations inside out.You’re skilled at building tech-driven fraud strategies that scale across operations.You have a proven track record of delivering end-to-end projects and large-scale change programs.You stay plugged into industry trends and can quickly respond to new fraud risks.You excel at balancing fraud risk with business goals and collaborating to ship new products safely.You’re a supportive coach who loves developing high-performing teams.You’re an empathetic communicator who aligns messaging with our core values.You’re data-driven, comfortable self-serving data, and love using tech to solve problems.You hold a relevant industry qualification (such as ICA, Cifas, ACAMS, or CFE).ð What’s in it for youð 108,700 • 140,000 Incentive Awards tied to your performance.ðThis 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, and at times that suit you and your team. ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. Plus lots more! Read our full list of benefits.ð The application journey has 3 key steps30 min call with the recruiter30 min hiring manager call2 hours of technical and leadership principle interviewsThis process should take around 4-5 weeks, • your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. #LI-OS1 #LI-REMOTEEqual opportunities for everyoneDiversity 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, 2026 Diversity and Inclusion Report and 2025 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

ð 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. Candidates should take the time to read all the elements of this job advert carefully Please make your application promptly. 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 ðLondon or Remote (UK) | ð 79,000, • 93,000 + Incentive Awards tied to your performance + Benefitsð About the team:Our Borrowing (lending) business is growing rapidly across both existing products and with the planned launch of new initiatives. As our lending portfolio grows, our second line of defence Credit Model Validation team is growing with it • and we’re looking for a Credit Model Validation Manager to join us!Our Credit Model Validation team is crucial in providing independent oversight and challenge to our model development teams in the first line of defence to help Monzo grow safely and ensure that the models we use deliver good outcomes for our customers. We’re looking for someone (maybe you?!) to join our validation squad and provide expert independent validation and oversight across our suite of credit models, covering critical business disciplines such as credit strategy and impairment.You’ll have a particular focus on models used for customer-level decisioning and defining our credit strategies • such as underwriting scorecards, origination PD models and Net Present Value (NPV) / unit economics models, • across all our lending products.Strong data and analytical skills are a must, as is deep expertise in credit risk modelling. You’ll have hands-on experience in either model validation or model development within a financial services environment, including practical experience using Python to develop, validate or analyse machine learning and statistical models. . In-depth knowledge of credit decisioning models would be a strong plus. ð You’ll play a key role by…Leading hands-on independent validation of models used for credit decisioning within our Borrowing strategies • covering a range of machine learning, decision science and NPV models. You will be ensuring that models are fit for purpose, appropriately governed, explainable and performing as expectedSupporting oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response modelsDeveloping deep understanding of Monzo’s credit models, and using this to provide impactful input and challenge to model developers to improve our modelling capabilitiesReviewing ongoing model performance monitoring to ensure our lending models perform within our risk thresholds, and providing support to our first line of defence teams when action is requiredPerforming statistical analyses to independently assess model performance, including developing challenger models where appropriate to test model assumptions and strengthen validation conclusionsImproving our Model Risk Framework, including overseeing our policies, standards and procedures to help embed best practice across the business. This means making sure we follow up-to-date regulatory guidelines, and adapt our processes to make sure they remain relevant as modelling techniques evolveWriting clear and impactful model validation reports, and presenting the findings and actions in relevant committeesPartnering with colleagues in the first line of defence credit strategy and modelling teams • and wider risk teams across Monzo, • to support the embedding of our model risk framework and establishing consistent validation standards across the organisationEmbracing new and innovative technology, including leading the adoption of AI tools to enhance our model validation approach ð We’d love to hear from you if…Have a strong background and practical experience in credit model development and/or validation, • in particular with exposure to machine learning or statistical models used in credit decisioning, such as decision science scorecards, origination / underwriting PD models, and NPV / unit economics modellingAre data driven, with strong analytical skills and deep understanding of statistical techniques for credit and model risk. Being able to get hands on with data is critical • so strong SQL and Python skills are essential, and experience with data visualisation tools such as Tableau, Looker or similar is a plus!Understand how models are used in real-time decisioning and lending strategies, and how to balance commercial and risk outcomesHave strong written and verbal communication skills, and are able to articulate problems and solutions using clear and simple language. This is particularly important for breaking down complex issues and priorities to non-expertsHave a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challengeAre impact-driven, and proactive in identifying issues and opportunities to improve outcomes for both our customers and our businessAre passionate about technology, and what we’re doing here at Monzo excites you!Our technology stackWe 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 infrastructuredbt and BigQuery SQL for our data modelling and warehousingPython for data science and machine learningGo to write our application codeAWS for most of our backend infrastructureThe interview process: Our interview process usually involves up to four main stages via Google Hangouts: An initial call with our recruiterA call with our Senior Model Validation Manager, the hiring manager for the role A role-specific call with colleagues from our credit modelling teams. We’ll share a short case study in advance, but you won’t need to submit a written response; we’ll use it to guide the discussion during the interview.A behavioural interview ð What’s in it for youð 79,000 • 93,000 + Incentive Awards tied to your performance benefits.ð 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, and at times that suit you and your team.ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ We will set you up to work from home; all employees are given MacBooks and for fully remote workers we will provide extra support for your work-from-home setup. Plus lots more! Read our full list of benefits.We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can • we don’t want you to miss out!LinkedIn Tags: #LI-TK1Equal opportunities for everyoneDiversity 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, 2026 Diversity and Inclusion Report and 2025 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

ð 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. Please read the information in this job post thoroughly to understand exactly what is expected of potential candidates. 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 ðLondon or UK remote | ð 100,000 to 130,000 + Incentive Awards tied to your performance + Benefits | Technology, • DataAbout 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 Crime Data Team:As we continue to scale, we’re looking for a Data Science Manager to lead one of our key product areas for Financial Crime.As a Data science manager, you’ll be working in an ever changing environment work in collaboration with Product, Risk and Engineering peers and champion the data strategy and lead a cross-functional team.You’ll help us build and improve these for now and for our future roadmap. We’re looking for a leader with hands-on experience, data driven strategic leader who can bring fresh thinking and new ways to inspire the team and our customersWhat you’ll be working on:You’ll work closely with the Product Managers, engineers, and Financial Crime control owners in an agile product environment. You’ll champion the use of data, bring ideas to life through a rigorous analytical approach. Your work will focus on improving our efforts in financial crime detection, prevention and mitigation, ensuring we stay ahead of emerging threats and regulatory requirements.You’ll help your team grow, hiring new team members, supporting their personal development. You will manage a team with Data Scientists and Data Analysts, working together with Analytics Engineers to drive product innovation and you’ll get to see the impact of all your work in the product changes we make.We have a strong culture of data-driven decision making across the whole company. And we're great believers in powerful, real-time analytics and empowerment of the wider business. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives data folk the head space to focus on more impactful business questions and analyses.Your day-to-day Be a key leader in building a discipline of exceptional data scientists and analysts working on making Monzo world class at detecting and fighting financial crime activityHelp hire, develop and retain talented Data peopleGenerate insights that can change the direction of our financial crime strategyBring data leadership and rigour to our approach to product development and build a strategic understanding of the business while structuring complex projects to bring them to lifeLiaise with risk, product and engineering managers to keep making sure we collect the right data to produce relevant business insightsYou should apply if:What we’re doing here at Monzo excites you!You must have at least 4 years of experience as a Data Science Manager- at least 2 of them managing a data team larger than 4 peopleYou are a strong strategic data leader and love to drive decisionsStrong experience with working with executive or C-level peers, managing stakeholders across levels of seniorities and disciplinesYou know what it takes to manage top tier Data talentYou’re excited by the opportunity to work autonomously to impact the future of a fast growing, ever evolving businessYou're familiar with using a variety of Data Science tools (from business intelligence, experimentation and causal inference through to machine learning), and coding languages (Python and SQL). You know when to pick the right tool, and can help others do the sameExperience in financial crime, fraud detection, or similar areas (Trust & Safety, Integrity, Security) is a plus.The Interview Process:Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!30 minute recruiter call 45 minute call with hiring manager 3 x 1-hour video calls with various team membersOur 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 ’s in it for you: We can help you relocate to the UK We can sponsor visasðThis 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.ðLearning budget of 1,000 a year for books, training courses and conferencesAnd much more, see our full list of benefits here#LI-NB2 #LI-RemoteEqual opportunities for everyoneDiversity 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, 2026 Diversity and Inclusion Report and 2025 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. xrnqpay If you have a preferred name, please use it to apply. We don't need full or birth names at application stage ð

London or Remote (UK) | £79,000 - £93,000 + Incentive Awards tied to your performance + Benefits. 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 will set you up to work from home; all employees are given MacBook

Monzo is seeking a Credit Model Validation Manager to join the Credit Model Validation team. You will lead independent validation across a broad set of credit models, including impairment, capital, stress testing, and decisioning, ensuring they are fit for purpose and properly governed. The role requires strong data and analytical skills, experience in model validation within financial services, and the ability to work with data and code to form independent views across model types. #J-18808-Ljbffr

Senior Manager – Decision Science. We’re building a modern Decision Science capability that combines deep credit expertise, advanced analytics, modern modelling techniques and automation to deliver smarter decisions and better outcomes for our customers. As Senior Manager – Decision Science, y

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 aspersonal 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 andcombine 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 the company London/Cardiff/UK Remote | £108,700 - £140,000 + equity + Incentive Awards tied to your performance + Benefits We’re all about building trust and keeping our community safe while helping the company grow. The Financial Crime & Fraud Collective is at the heart of this work. As a Senior Fraud Risk Manager, you’ll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence! You’ll get to work across current accounts, business banking, international accounts, and more. While you’ll be managing people and programs, you should also be excited to roll up your sleeves and get hands‑on. We need a crack team of crime fighters to help us stay one step ahead as we continue to grow. Helping to lead our fast‑growing global Fraud & Disputes Risk team and work alongside leaders across our cross‑functional Fraud Squads. We’re looking for a proactive, collaborative leader who really knows fraud risk management inside and out - spanning several of our authorised fraud, unauthorised fraud, first‑party fraud, and disputes specialisms You’ll build great relationships with our Product, Engineering, Data, and Operations teams to design smooth, effective fraud controls, investigation processes, and reporting. You’ll also champion a positive team culture and make sure key fraud initiatives stay on track. Your Core Focus Areas include: • Fraud Strategy & Operational Execution: Join squad leadership to turn our big‑picture fraud vision into practical roadmaps for our UK and EU Banks. You’ll strike the perfect balance between smart protection controls and a seamless customer experience., • Control Framework & Fraud SME: Be our go‑to expert on fraud typologies and prevention tools, overseeing end‑to‑end design and rollout of strong controls., • Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements., • Cross‑Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward., • People Leadership & Capability Building: Coach, mentor, and grow a fantastic fraud risk team while supporting everyone’s personal and professional development., • You have strong experience leading fraud strategy and risk teams, ideally in a fast‑moving, regulated environment., • You know UK & EU fraud regulations inside out., • You’re skilled at building tech‑driven fraud strategies that scale across operations., • You have a proven track record of delivering end‑to‑end projects and large‑scale change programs., • You stay plugged into industry trends and can quickly respond to new fraud risks., • You excel at balancing fraud risk with business goals and collaborating to ship new products safely., • You’re a supportive coach who loves developing high‑performing teams., • You’re an empathetic communicator who aligns messaging with our core values., • You’re data‑driven, comfortable self‑serving data, and love using tech to solve problems., • You hold a relevant industry qualification (such as ICA, Cifas, ACAMS, or CFE). £108,700 - £140,000 Incentive Awards tied to your performance. 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, and at times that suit you and your team. £1,000 learning budget each year to use on books, training courses and conferences. We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work‑from‑home setup. Plus lots more! Read our full list of benefits. This process should take around 4-5 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at the company. You can read them here. We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 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 the company. At the company, 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, 2026 Diversity and Inclusion Report and 2025 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

Admiral Money is seeking a Senior Capital & Impairment Manager to lead impairment, forecasting, stress testing and capital analytics for unsecured personal loans, motor finance and mortgages. You will lead a team, work with senior stakeholders across Finance, Treasury, Credit Risk and the wider busi

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 or Remote (UK) | £100,000 - £133,000 +Benefits | We’re looking for several Product Marketing Leads to set the market intelligence and product strategy for individual product Collectives. At Monzo, Product Marketing is a global product-market fit discipline rather than a GTM discipline. We’re embedded in squads with PMs, Designers and User Researchers, shaping products and propositions by acting as the voice of the market (UK, Ireland, Spain and future markets). We then partner closely with Integrated Marketing, who lead marketing strategy and execution, to bring those propositions to customers. Together, we aim to build and market category-leading products. If that’s your flavour of product marketing, Monzo is for you. This is a player/coach role. You'll own Product Marketing for a Collective: understanding customers, shaping product strategy, defining positioning, and guiding how launches land in the market. If you love influencing what gets built as much as how it's communicated, you'll feel at home here. • Wealth is building the future of how people grow their money: helping millions of customers save, invest, and plan for retirement with the same simplicity and trust they expect from their current account. It spans Savings, Investments, Pensions, Insurance, and brand new kinds of wealth-building experiences. This is a role for someone who wants to challenge how traditional wealth products work to make growing money (finally) feel simpler and more useful for everyday customers., • MonzOS is the intelligence layer of Monzo: an AI-powered operating system that helps customers find the right product, insight or action at the right moment. It brings together personalisation, recommendations, search and in-app discovery to make Monzo feel more useful every time someone opens the app. This is a role for someone who is excited by the challenge of making Monzo feel simple, trusted and indispensable in people’s financial lives., • EU is building Monzo for millions of customers across Europe, taking what people love about Monzo in the UK and making it work brilliantly in new markets. This role will lead consumer market insight and competitor discovery for new countries, while supporting growth in already-live markets like Ireland and Spain. This is a role for someone who loves figuring out how to win a market: turning customer insight, competitor analysis and local context into practical, provocative choices for product and marketing. You and your team will… • Set strategy for multiple categories. You’ll own a one-year product marketing strategy for a complex, multi-product Collective. You will work to define how Monzo wins in multiple categories with multiple products over time., • Set the market intelligence agenda. You’ll decide what we need to understand about our customers, competitors, and the market. You’ll identify and size opportunities, and build the frameworks other teams use to prioritise and respond., • Shape what gets built. You’ll use market intelligence to shape product strategy across multiple areas, bringing a perspective that changes what we build and in what order. You’ll sit alongside Product leadership, driving commercial outcomes through product differentiation., • Define positioning that moves the business. You’ll ensure every product starts with a customer problem, differentiated positioning, and a proposition worth talking about. You’ll demonstrate that positioning will shift customer perception and move revenue at scale., • Own how we go to market. You’ll decide when products launch, with what mechanic, and in what order, so launches across the Collective add up to more than a run of releases. You’ll give Integrated Marketing a brief sharp enough that they never have to guess, then feed what the market tells you back into the proposition., • Raise the bar for Product Marketing. You’ll define what great looks like through high standards, coaching, feedback, and better systems. You’ll improve how PMM works by embedding AI into our workflows, tools, and playbooks. On the manager track, you’ll also be accountable for the development, performance, and careers of a small team., • You think beyond a single product. You’re comfortable owning strategy across multiple products and categories, where work spans multiple squads and the decisions have business-wide implications., • You own the hardest calls in your domain. You’re trusted to make high-stakes positioning and strategy decisions independently, and you’re right often enough that Product and Marketing leadership seek your judgement. You’re comfortable making difficult trade-offs between commercial needs, customer experience, and competitive urgency when the right answer isn’t obvious., • You bring senior people with you. You build consensus around difficult decisions, influence senior stakeholders across disciplines, and create clarity out of ambiguity. People look to you for guidance when the path forward isn’t obvious., • You're a player/coach. You still want to do the hardest strategic work yourself while coaching others through feedback, mentoring, and high standards. Whether or not you're a people manager, your impact is visible in the growth of the people around you. Our interview process involves three main stages: • Initial Call (45mins), • Case Study Presentation (1hour), • x2 final interviews via Google Meet (45mins for each interview) This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to . You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else. • £100,000 - £133,000 as a base salary, • This role will be based out of our London office next to Liverpool Street station in a hybrid approach of office based and home working, or remotely within the UK, • 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 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, 2026 Diversity and Inclusion Report and 2025 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

Working under the Head of Decision Science, you’ll turn the function’s strategy and model. As Senior Manager – Decision Science, you’ll lead the end-to-end delivery of material credit models and predictive analytic solutions across our consumer portfolios.

Secure Trust Bank PLC in the UK seeks a Senior Manager – Decision Science to lead the end-to-end delivery of credit models and predictive analytics across consumer portfolios.

LexisNexis Risk Solutions is looking for a Product Manager II – Analytics in Cardiff, UK. This role demands a data-driven, analytically minded professional who will support the growth of the UK's Data Science and Credit Risk capabilities. The ideal candidate will interact with customers, prioritiz

Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently. We are looking for people who are keen to learn, excited to get stuck in and ready to help us build something special for our customers. We are looking for a Senior Capital & Impairment Manager to join our Financial Risk team. This is a senior leadership role with accountability for the development and oversight of Admiral Money's impairment, forecasting, stress testing and capital analytics capabilities across unsecured personal loans, motor finance and mortgages. The role combines deep technical expertise with leadership, strategic influence and governance responsibilities. You will lead a team responsible for model development, forecasting, reporting and insight generation, ensuring outputs are robust, well-governed and support effective business decision-making. Acting as a senior subject matter expert and trusted adviser, you will work closely with senior stakeholders across Finance, Treasury, Credit Risk and the wider business to provide insight into financial risk exposures and emerging trends. The role also plays a key part in supporting the firm's broader prudential risk management framework, including funding and liquidity risk oversight, warehouse structures, covenant monitoring and capital resilience assessments. This is a hybrid role with the expectation to be in our Cardiff Office 2 days a week minimum. • Lead the strategic direction and ongoing enhancement of Admiral Money's IFRS 9 impairment framework, including model development, oversight, governance and performance monitoring., • Own impairment forecasting and insight generation, ensuring senior stakeholders have a clear understanding of emerging risks, portfolio performance and forecast impacts., • Lead stress testing and scenario analysis activities, supporting business planning, risk appetite assessment, capital management and regulatory readiness., • Provide expert analysis and interpretation of the relationship between portfolio performance, expected credit losses, capital requirements and financial resilience., • Deliver oversight and challenge across funding and liquidity risk exposures, including warehouse structures, utilisation, covenant compliance and associated risks., • Act as a senior adviser to governance forums and executive stakeholders, translating complex analytical outputs into clear recommendations and business actions., • Lead, coach and develop a team of analysts and modelling specialists, setting high standards for analytical quality, governance and stakeholder engagement., • Drive continuous improvement across modelling, forecasting, reporting and automation capabilities to enhance efficiency, scalability and insight generation., • Significant experience leading impairment, forecasting, stress testing or capital analytics activities within a regulated lending environment., • Deep technical expertise in IFRS 9 impairment modelling and expected credit loss (ECL) methodologies., • Strong understanding of stress testing, scenario analysis and the interaction between credit losses, capital outcomes and financial resilience., • Experience providing oversight, challenge and thought leadership to senior stakeholders and governance forums., • Proven track record of leading and developing high-performing analytical or modelling teams., • Strong stakeholder management and influencing skills, with the ability to communicate complex technical concepts to both technical and non-technical audiences., • Advanced analytical capability with strong experience using Python, SQL and Excel., • Experience across multiple lending products such as unsecured personal loans, motor finance and/or mortgages. (Implied by the scope of the role.), • Experience using modern reporting and visualisation tools., • Experience with funding and liquidity risk management., • Knowledge of warehouse facilities and securitisation structures., • Experience monitoring financial covenants and associated risk exposures., • Broader prudential risk management experience, including capital resilience assessments and funding oversight. We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service. Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave. We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics. Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here. As a Disability Confident Leader, for candidates with a disability or long-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process. #J-18808-Ljbffr

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/Cardiff/UK Remote | £108,700 - £140,000 + equity + Incentive Awards tied to your performance + Benefits We’re all about building trust and keeping our community safe while helping Monzo grow. The Financial Crime & Fraud Collective is at the heart of this work. As a Senior Fraud Risk Manager, you’ll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence! You’ll get to work across current accounts, business banking, international accounts, and more. While you’ll be managing people and programs, you should also be excited to roll up your sleeves and get hands‑on. We need a crack team of crime fighters to help us stay one step ahead as we continue to grow. You’ll play a key role by… Helping to lead our fast‑growing global Fraud & Disputes Risk team and work alongside leaders across our cross‑functional Fraud Squads. We’re looking for a proactive, collaborative leader who really knows fraud risk management inside and out - spanning several of our authorised fraud, unauthorised fraud, first‑party fraud, and disputes specialisms. • Fraud Strategy & Operational Execution: Join squad leadership to turn our big‑picture fraud vision into practical roadmaps for our UK and EU Banks. You’ll strike the perfect balance between smart protection controls and a seamless customer experience., • Control Framework & Fraud SME: Be our go‑to expert on fraud typologies and prevention tools, overseeing end‑to‑end design and rollout of strong controls., • Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements., • Cross‑Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward., • People Leadership & Capability Building : Coach, mentor, and grow a fantastic fraud risk team while supporting everyone’s personal and professional development., • You have strong experience leading fraud strategy and risk teams, ideally in a fast‑moving, regulated environment., • You know UK & EU fraud regulations inside out., • You’re skilled at building tech‑driven fraud strategies that scale across operations., • You have a proven track record of delivering end‑to‑end projects and large‑scale change programs., • You stay plugged into industry trends and can quickly respond to new fraud risks. #J-18808-Ljbffr

Senior Capital & Impairment Manager role Accountability for impairment, forecasting, stress testing and capital analytics Hybrid role with Cardiff office attendance 2 days per week Significant experience in IFRS 9 impairment modelling and stress testing Proven track record in leading and developing analytical teams Eligibility for up to £3,600 free shares annually Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently. We are looking for people who are keen to learn, excited to get stuck in and ready to help us build something special for our customers. We are looking for a Senior Capital & Impairment Manager to join our Financial Risk team. This is a senior leadership role with accountability for the development and oversight of Admiral Money's impairment, forecasting, stress testing and capital analytics capabilities across unsecured personal loans, motor finance and mortgages. The role combines deep technical expertise with leadership, strategic influence and governance responsibilities. You will lead a team responsible for model development, forecasting, reporting and insight generation, ensuring outputs are robust, well-governed and support effective business decision-making. Acting as a senior subject matter expert and trusted adviser, you will work closely with senior stakeholders across Finance, Treasury, Credit Risk and the wider business to provide insight into financial risk exposures and emerging trends. The role also plays a key part in supporting the firm's broader prudential risk management framework, including funding and liquidity risk oversight, warehouse structures, covenant monitoring and capital resilience assessments. This is a hybrid role with the expectation to be in our Cardiff Office 2 days a week minimum. • Lead the strategic direction and ongoing enhancement of Admiral Money's IFRS 9 impairment framework, including model development, oversight, governance and performance monitoring., • Own impairment forecasting and insight generation, ensuring senior stakeholders have a clear understanding of emerging risks, portfolio performance and forecast impacts., • Lead stress testing and scenario analysis activities, supporting business planning, risk appetite assessment, capital management and regulatory readiness., • Provide expert analysis and interpretation of the relationship between portfolio performance, expected credit losses, capital requirements and financial resilience., • Deliver oversight and challenge across funding and liquidity risk exposures, including warehouse structures, utilisation, covenant compliance and associated risks., • Act as a senior adviser to governance forums and executive stakeholders, translating complex analytical outputs into clear recommendations and business actions., • Lead, coach and develop a team of analysts and modelling specialists, setting high standards for analytical quality, governance and stakeholder engagement., • Drive continuous improvement across modelling, forecasting, reporting and automation capabilities to enhance efficiency, scalability and insight generation., • Significant experience leading impairment, forecasting, stress testing or capital analytics activities within a regulated lending environment., • Deep technical expertise in IFRS 9 impairment modelling and expected credit loss (ECL) methodologies., • Strong understanding of stress testing, scenario analysis and the interaction between credit losses, capital outcomes and financial resilience., • Experience providing oversight, challenge and thought leadership to senior stakeholders and governance forums., • Proven track record of leading and developing high-performing analytical or modelling teams., • Strong stakeholder management and influencing skills, with the ability to communicate complex technical concepts to both technical and non-technical audiences., • Advanced analytical capability with strong experience using Python, SQL and Excel., • Experience across multiple lending products such as unsecured personal loans, motor finance and/or mortgages. (Implied by the scope of the role.), • Experience using modern reporting and visualisation tools., • Experience with funding and liquidity risk management., • Knowledge of warehouse facilities and securitisation structures., • Experience monitoring financial covenants and associated risk exposures., • Broader prudential risk management experience, including capital resilience assessments and funding oversight. We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service. Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave. We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics. Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here. As a Disability Confident Leader, for candidates with a disability or long-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process. If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email or contact us on . This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process. #J-18808-Ljbffr

Admiral Money is hiring a Senior Capital & Impairment Manager to lead impairment, forecasting and capital analytics. You will drive IFRS 9 model development, oversee governance and provide strategic insight to Finance, Treasury and Credit Risk. The role blends technical leadership with broad regulatory and risk governance responsibilities. You will manage a team of analysts, deliver robust reporting, and work with senior stakeholders to influence risk management, capital planning and resilience #J-18808-Ljbffr

Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently. We are looking for people who are keen to learn, excited to get stuck in and ready to help us build something special for our customers. We are looking for a Senior Capital & Impairment Manager to join our Financial Risk team. This is a senior leadership role with accountability for the development and oversight of Admiral Money's impairment, forecasting, stress testing and capital analytics capabilities across unsecured personal loans, motor finance and mortgages. The role combines deep technical expertise with leadership, strategic influence and governance responsibilities. You will lead a team responsible for model development, forecasting, reporting and insight generation, ensuring outputs are robust, well-governed and support effective business decision-making. Acting as a senior subject matter expert and trusted adviser, you will work closely with senior stakeholders across Finance, Treasury, Credit Risk and the wider business to provide insight into financial risk exposures and emerging trends. The role also plays a key part in supporting the firm's broader prudential risk management framework, including funding and liquidity risk oversight, warehouse structures, covenant monitoring and capital resilience assessments. This is a hybrid role with the expectation to be in our Cardiff Office 2 days a week minimum. • Lead the strategic direction and ongoing enhancement of Admiral Money's IFRS 9 impairment framework, including model development, oversight, governance and performance monitoring., • Own impairment forecasting and insight generation, ensuring senior stakeholders have a clear understanding of emerging risks, portfolio performance and forecast impacts., • Lead stress testing and scenario analysis activities, supporting business planning, risk appetite assessment, capital management and regulatory readiness., • Provide expert analysis and interpretation of the relationship between portfolio performance, expected credit losses, capital requirements and financial resilience., • Deliver oversight and challenge across funding and liquidity risk exposures, including warehouse structures, utilisation, covenant compliance and associated risks., • Act as a senior adviser to governance forums and executive stakeholders, translating complex analytical outputs into clear recommendations and business actions., • Lead, coach and develop a team of analysts and modelling specialists, setting high standards for analytical quality, governance and stakeholder engagement., • Drive continuous improvement across modelling, forecasting, reporting and automation capabilities to enhance efficiency, scalability and insight generation. Essential • Significant experience leading impairment, forecasting, stress testing or capital analytics activities within a regulated lending environment., • Deep technical expertise in IFRS 9 impairment modelling and expected credit loss (ECL) methodologies., • Strong understanding of stress testing, scenario analysis and the interaction between credit losses, capital outcomes and financial resilience., • Experience providing oversight, challenge and thought leadership to senior stakeholders and governance forums., • Proven track record of leading and developing high-performing analytical or modelling teams., • Strong stakeholder management and influencing skills, with the ability to communicate complex technical concepts to both technical and non-technical audiences., • Advanced analytical capability with strong experience using Python, SQL and Excel. Desirable • Experience across multiple lending products such as unsecured personal loans, motor finance and/or mortgages. (Implied by the scope of the role.), • Experience using modern reporting and visualisation tools., • Experience with funding and liquidity risk management., • Knowledge of warehouse facilities and securitisation structures., • Experience monitoring financial covenants and associated risk exposures., • Broader prudential risk management experience, including capital resilience assessments and funding oversight. We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service. Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave. We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics. Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here. As a Disability Confident Leader, for candidates with a disability or long-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process. If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email or contact us on . This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process. #J-18808-Ljbffr

Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently. Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently. We are looking for people who are keen to learn, excited to get stuck in and ready to help us build something special for our customers. We are looking for a Senior Capital & Impairment Manager to join our Financial Risk team. This is a senior leadership role with accountability for the development and oversight of Admiral Money's impairment, forecasting, stress testing and capital analytics capabilities across unsecured personal loans, motor finance and mortgages. The role combines deep technical expertise with leadership, strategic influence and governance responsibilities. You will lead a team responsible for model development, forecasting, reporting and insight generation, ensuring outputs are robust, well-governed and support effective business decision-making. Acting as a senior subject matter expert and trusted adviser, you will work closely with senior stakeholders across Finance, Treasury, Credit Risk and the wider business to provide insight into financial risk exposures and emerging trends. The role also plays a key part in supporting the firm's broader prudential risk management framework, including funding and liquidity risk oversight, warehouse structures, covenant monitoring and capital resilience assessments. This is a hybrid role with the expectation to be in our Cardiff Office 2 days a week minimum. • Lead the strategic direction and ongoing enhancement of Admiral Money's IFRS 9 impairment framework, including model development, oversight, governance and performance monitoring., • Own impairment forecasting and insight generation, ensuring senior stakeholders have a clear understanding of emerging risks, portfolio performance and forecast impacts., • Lead stress testing and scenario analysis activities, supporting business planning, risk appetite assessment, capital management and regulatory readiness., • Provide expert analysis and interpretation of the relationship between portfolio performance, expected credit losses, capital requirements and financial resilience., • Deliver oversight and challenge across funding and liquidity risk exposures, including warehouse structures, utilisation, covenant compliance and associated risks., • Act as a senior adviser to governance forums and executive stakeholders, translating complex analytical outputs into clear recommendations and business actions., • Lead, coach and develop a team of analysts and modelling specialists, setting high standards for analytical quality, governance and stakeholder engagement., • Drive continuous improvement across modelling, forecasting, reporting and automation capabilities to enhance efficiency, scalability and insight generation., • Significant experience leading impairment, forecasting, stress testing or capital analytics activities within a regulated lending environment., • Deep technical expertise in IFRS 9 impairment modelling and expected credit loss (ECL) methodologies., • Strong understanding of stress testing, scenario analysis and the interaction between credit losses, capital outcomes and financial resilience., • Experience providing oversight, challenge and thought leadership to senior stakeholders and governance forums., • Proven track record of leading and developing high-performing analytical or modelling teams., • Strong stakeholder management and influencing skills, with the ability to communicate complex technical concepts to both technical and non-technical audiences., • Advanced analytical capability with strong experience using Python, SQL and Excel., • Experience across multiple lending products such as unsecured personal loans, motor finance and/or mortgages. (Implied by the scope of the role.), • Experience using modern reporting and visualisation tools., • Experience with funding and liquidity risk management., • Knowledge of warehouse facilities and securitisation structures., • Experience monitoring financial covenants and associated risk exposures., • Broader prudential risk management experience, including capital resilience assessments and funding oversight. We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We’re committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service. Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave. We’re proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years! We’re fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics. Our fantastic benefits make sure our colleagues have a great work-life balance; You can view some of our other key benefits here. As a Disability Confident Leader, for candidates with a disability or long-term health condition, that opt into the Disability Confident scheme, we’ll invite a fair and proportionate number of applicants that meet the essential requirements of the role to the first stage of our selection process. If you need any adjustments or support with your application or during the recruitment process, just let us know. Please do email or contact us on . This number is dedicated to supporting candidates that require reasonable adjustments or support during the application process. #J-18808-Ljbffr

Admiral Money, a growing division within Admiral Group, seeks a Senior Capital & Impairment Manager to lead impairment analytics across unsecured personal loans, motor finance and mortgages. Hybrid role; based in Cardiff with 2 days onsite per week. You will guide model development, forecasting and stress testing, and partner with Finance, Treasury and Credit Risk to drive robust decision-making. You will mentor analysts, elevate governance, and deliver insights on risk, capital requirements and #J-18808-Ljbffr

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