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Hi, we’re Griffin! We’re the bank for companies who want to build and launch financial products. We're rapidly heading towards a future where most of us access financial services through technology companies rather than high street banks. All sorts of companies are now embedding financial products into their apps and user journeys so that their customers can seamlessly make payments, manage expenses, take out loans, save, invest, and do more. The problem is that companies are still dependent on legacy banking infrastructure if they want to offer regulated financial products. They need to either partner directly with an incumbent bank and/or stitch together middleware from various Banking as a Service (BaaS) providers. This process is slow, expensive, and complex and makes it very hard for companies to get new financial products off the ground. At Griffin, we want to change this. We want to make it easy for companies to bring finance to their customers at the point of greatest relevance. So, we built a bank. But not just any bank! Griffin is a technology platform and a bank: fully regulated, API-first, developer-centric, and purpose-built to serve innovative fintechs and brands who want to build and embed financial products. _ Our culture is our most important asset, and one of the ways we safeguard it is by being extremely intentional about hiring the right people. We won't hire people who don’t seem like a strong fit for our core values, even if they're otherwise extremely qualified. We also believe that smart, motivated, conscientious people thrive in high-trust, high-autonomy environments. That’s why we’re transparent by default, and we encourage open discussion and challenge across all levels of the organisation. We’re also remote-first, asynchronous, and fully flexible - because you're the expert on how and when you do your best work. _ Griffin's Chart team — what most companies call Finance — is our strategic engine room. We strike a careful balance between working closely with commercial and product on what's possible, and giving management, regulators and the Board a complete, accurate picture of the business. We’re objective and grounded in reality, while also looking to push the limits in terms of how a modern finance team looks and performs. The team of seven sits across four sub-teams: FP&A, which supports the business in budgeting, forecasting, MI and new product expansion Prudential, responsible for our regulatory reporting and prudential processes including our ICAAP and ILAAP Treasury operations, managing our cash, liquidity and funding operations Financial Control, which oversees statutory accounting, tax, cost control and revenue/billing. Griffin is entering one of its most consequential chapters, a growth phase and an expanding product roadmap. Current key projects include supporting our engineering teams on the technical design of Banksy, our in-house core banking system, and launching a new card issuing platform. As CFO, you’ll be expected to lead the Chart function. You’ll report to the CEO and work closely with them on strategic planning and budgeting for the business as a whole. You’ll also hold one of the two Executive Director seats on the Board and provide context from the business to the Board. This is a Senior Management role (SMF2) under the Senior Manager’s and Certification Regime (SMCR), meaning the role holder must comply with the FCA’s Fitness and Propriety Requirements. In your first 6 months, you'll have defined the strategy for finance operations and taken full ownership of our regulatory submissions, keeping Griffin compliant and audit-ready. By 12 months, you'll have embedded yourself as a key partner to our Product and Engineering teams on Banksy (our in-house core banking system), and played a central role in getting our new card issuing platform to market with the right financial foundations in place. While continuing to experience robust triple-digit % growth, we’re also orienting the business towards profitability. You’ll be responsible for leading from the front on financial discipline and making sure the business keeps costs under control while also working with the business to ensure it is adequately resourced to achieve its growth targets. Griffin's financial strategy and operating model, including full ownership of the Chart function and its evolution as we scale Chairing the Executive ALCO and overseeing all financial modelling, including ICAAP, ILAAP, Recovery Plan, Exit Plan and LCP All internal and external financial and regulatory reporting, and ongoing compliance with regulatory capital and liquidity requirements The relationship with our regulators, liaising with the PRA and FCA as appropriate and representing Griffin with credibility and candour Cross-functional collaboration with Product and Engineering on product build and launch, with a particular focus on pricing strategy and unit economics Supporting the CEO on fundraising and broader company growth strategy, including direct engagement with existing and prospective investors Driving high performance within the rest of the team and architecting a finance function for the AI era To ensure this, we're looking for people who have: Banking and/or Fintech Experience: You've held a senior finance leadership role in banking or fintech and have a solid grasp of the FCA/PRA regulatory environment. FP&A: You have a strong background in FP&A, supporting the business in budgeting, forecasting and financial planning. Growth-minded partner, not just a financial gatekeeper: You're a commercial leader excited to drive revenue growth. You've worked directly on pricing strategy, unit economics, and bottom-line ownership, not just taken them as given from business heads. Performant, disciplined, hands-on: You roll up your sleeves, dig into the details, and move at pace to resolve problems at their root. You don't just direct from a distance and set and hold a high bar for performance in your team. A good craftsman does blame his tools: You're obsessed with productivity and efficiency. You actively seek out AI and SaaS tools to help the Chart team work faster and smarter. Objective: You're the anchor of reality in a room full of optimism. You’re honest about tradeoffs, focused on achievable targets, and never distracted by unlikely scenario planning. Signal, not noise: You take complexity and make it simple. You tell accurate stories that drive clarity for investors, the Board, and internal teams, and you're comfortable introducing unconventional metrics where they're more useful. Fresh perspective: You've built high-performing teams and see the function as a strategic partner — opening new business lines, spotting commercial opportunities, and driving product development. Diplomat and consigliere: You instil confidence by speaking honestly and thoughtfully. You stay aligned with the CEO, challenge inconsistencies openly, and focus on closing conversations rather than opening new concerns. Spidey-sense: You see around corners — and can always explain why a concern is real, not just that it exists. A love of writing - we have a major amount of written documentation that you will be contributing to, and we place a high degree of importance on clarity and readability (you can find out more here about _ ) Nice to have Previous experience of working at a senior or executive level or previous SMF2 experience Prior board experience as an executive director Experience of liaising directly with regulatory bodies such as the FCA and PRA Experience of being involved with fundraising and liaising with investors We are an early stage startup and we're working hard to expand our benefits package. We're planning to add to this list in the future. Remote-first flexibility: Work from anywhere in the UK Work from abroad: Up to 20 days a year Time off: 25 days’ holiday, bank holidays and a winter break (we shut down between Christmas and New Year) Share options: Own a part of what we’re building together Pension: Auto-enrolment into our Penfold scheme Insurance: Private medical with Bupa (including family cover) and life insurance with AIG Wellbeing: 1:1 coaching and therapy session available through Oliva Family leave: Enhanced parental leave with up to 6 months on full pay after two years’ service AI tools: Everyone has a Claude subscription on us and access to other premium tools Your setup: We’ll support you in creating a comfortable and effective WFH environment. As a bank, we’re committed to maintaining the highest standards of security. This means that the successful candidate will need to complete background screening, and our offer will be conditional upon satisfactory review of these checks. This would include verification of right to work, criminal record, credit history, social media and professional reference checks. Are we your next move? Apply via the link below, if there's a match our Talent team will reach out to schedule an initial conversation and talk you through what happens next. We have a small London office in Moorgate, but we are comfortable hiring people to work from anywhere in the UK. About a third of the company is based within occasional commuting distance of London, the rest are full-time remote. Our goal is for Griffin to proportionally represent the diversity of the working population in society. We’re working to ensure that Griffin is a supportive, empowering and inclusive environment for every member of our team — whatever your combination of race, ethnicity, gender, age, sexual orientation, physical ability, nationality, neurodiversity, and religious beliefs. If you’re part of a group that is under-represented in fintech, we’d love to hear from you.

Senior Accountant – Aspire Software – UK Aspire Software is looking for an eager, self-motivated and experienced Senior Accountant to join our growing team in the UK! As the Senior Accountant, you will work with our team to ensure that the financials are in place that help to build our foundation for decision-making and receive the attention they deserve. The successful candidate will have at least a B1-level German language skill set, both written and verbal! Here is a little window into our company: At Aspire Software, we never stop building. Aspire Software is a vertical acquisition software company that owns, operates and manages a diverse portfolio. Aspire Software, an operating group of Valsoft Corp, operates and manages Valsoft's global portfolio of wholly owned software companies, providing mission-critical solutions across multiple verticals. By implementing industry best practices, Aspire delivers a time-sensitive integration process, and the operation of a decentralised model has allowed it to become a hub for creating rapid growth by reinvesting in its portfolio. Aspire Software an operating group of Valsoft. Established in Canada in 2015, Valsoft has grown to a global portfolio of 140+ companies, acquiring and developing vertical market software companies, enabling each business to deliver the best mission-critical solutions for customers in their respective industries. A key tenet of Valsoft’s philosophy is to invest in well-established businesses and foster an entrepreneurial environment that molds companies into leaders in their respective industries. Valsoft looks to buy, hold and create value through long-term partnerships. Our motto is “Be Humble, Stay Hungry!” The successful candidate will be based anywhere in the UK, working in a remote work model! What your day will look like: • Perform financial period close tasks and complex journal entries/accounting analysis, • Perform Balance Sheet analysis and reviews, including reconciliations of accounts, • Perform day-to-day recording of AP and AR data (Invoices/credit notes, etc.), • Make sure all invoices are entered and issued in a timely manner correctly in the ERP, • Follow up with Vendors/Suppliers regarding missing invoices, full accountability on the cost accruals for the P&L review, • Process payments, bank transfers, and ensure that approvals are adequate, • Reconcile expense reports, credit cards, invoices, and inter-company transactions, • Ensure that key controls and procedures are respected and implemented where needed, • Preparing financial KPIs and reviewing for accuracy, • Preparing monthly VAT returns in line with government legislation, • Participate in the completion of audit engagements and compliance requirements, • Provide necessary information to tax advisors and answer any relevant queries, • Prepare ad-hoc performance analysis and management reporting, • Perform variance analysis of actual results vs. financial plans (budgets and forecasts) About You: • 3+ years of experience working in a Financial Accounting role is essential, • A bachelor’s degree in Finance, Accounting, Economics, or a related field is highly desirable, • A professional qualification in bookkeeping and/or accounting is an asset, • Demonstrable expertise in accrual accounting theory and practice is an asset, • Proficient in Microsoft Office, specifically Excel, • A detail-oriented self-starter who thrives on accuracy and solving problems, • A genuinely curious mindset, capable of quickly learning new systems, and the desire to grow and develop over time, • An innovative thinker with a passion for automation, continuously seeking smarter ways to streamline workflows and drive operational efficiency, • A team player who loves challenges and wants to ‘own’ their area of business, • Strong work ethic, organized, and focused, • Strong interpersonal skills, capable of influencing stakeholders at all organisational levels, • Excellent communication skills, with the ability to distil complex data into meaningful insights, • An entrepreneurial mindset with a bias for action and results, • Ability to roll up sleeves and make things happen, • Great attention to detail and planning skills, • At least a professional level of English, B1-level or above, both written and verbal, is essential, • At least a professional level of German, B1-level or above, both written and verbal, is essential, • Legally authorised to work in the UK If you're a Senior Accountant ready to take on this exciting challenge, we’d love to hear from you! For further information about Aspire Software, please visit our website at _ We thank all applicants for their interest; however, only those candidates selected for an interview will be contacted. #aspiresoftware

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

About the Role: This role is for Maternity Cover and will be on an initial 12 month contract and based in London at Bankside 2. Omnicom Media Group Europe is seeking a Finance Professional with +2 years’ experience and with a strong background in Billing. The Revenue Controller will be responsible for the Revenue for the Annalect Division within Omnicom Media Group Europe. The role will assist with forecasting, revenue recognition, billings and will need to liaise with the Senior Leadership Team, Clients and with other Omnicom Group Companies. The Revenue Controller will report directly to Finance Director OMG EMEA and the Finance Director Annalect EMEA and will be joining a 4-person Finance Team. Job Responsibilities Include: • Control of all Annalect EMEA Revenue including attending Senior Leadership Team calls, liaising with Account Handlers, Other Group Finance Teams and Annalect CFO., • Reconciling the Revenue and Accrued Revenue and chasing Account Handlers to invoice., • Contacting Clients and or Group Companies for PO’s, • Maintaining the Client Revenue System to show what has been invoiced., • Invoicing Management fees and emailing to markets., • Raising of the research fee invoices, • Raising Invoices for the Group Passthrough costs that we receive as the EMEA HQ, • Credit Control - chasing markets for payment, resolving any queries and bringing any issues to Finance Directors attention., • Agreeing Monthly Interco reconciliations with Omnicom Group companies (approx. 30 countries) in order for Finance Manager to load to Group Reporting System., • Monthly confirming unbilled management fees for Group reporting, • Daily posting of Cash receipts and payments from Group Companies and Clients, • Reconciling all Annalect Data costs and invoicing the markets, • Ad hoc projects for Annalect Finance Director. Requirements • +2 Years of Billing, Revenue experience, • Strong Excel Skills with the ability to put together reports for Management Review, • Strong skills in Communication, attention to detail and taking ownership of deliverables, • The role will be office based 3 days a week and working from home on the other 2. About the Agency: Omnicom Media Group Europe (OMG EMEA) is the media division of Omnicom Group Inc., headquartered in London. We deliver transformational experiences for consumers, clients, and talent. Powered by the Omni marketing orchestration system, OMG connects best-in-class capabilities that enable our full-service media agencies OMD, PHD, and Hearts & Science to deliver more relevant and actionable consumer experiences, more productive and proactive client experiences, and more collaborative and rewarding talent experiences for the more than 24,000 people serving the world’s leading brands in OMG agencies around the globe. Flexible Working At Omnicom Media Group, we are committed to supporting flexibility for our people while fostering collaboration, innovation, and teamwork. We have a hybrid working model (three days in the office, two working remotely), to ensure that we meet the needs of both our people and our business, balancing the benefits of in-person connections with the flexibility of remote working. Our standard working hours are 9:30 – 17:30, but we offer the ability to flex around core hours of 10:30 – 16:30 to give our people flexibility on how they manage their working day, whether that’s in the office or working remotely. For example, you could start work at 8:30 and finish at 16:30 or start at 10:30 and finish at 18:30. We encourage open conversations between our people and managers to help navigate high-need periods and individual circumstances. Our goal is to create an environment where people feel genuinely supported to do their best - both in their careers and in their lives outside of work. Be Your Best We want everyone to make the most of the opportunity to shine and showcase your talents and we are happy to make adjustments in the recruitment process so you can be your best. Please discuss any specific requirements with your dedicated Talent Team member or if you would feel more comfortable, you can email us confidentially at _ to let us know how we can support you. Diversity, Equity & Inclusion at OMG At OMG, our vision is to be an agency where difference is valued and everyone is able to thrive in a culture of equality, inclusion and belonging. We are committed to providing a truly inclusive environment that reflects today’s society, where everyone is able to bring their true selves to work, and where diverse voices and backgrounds are valued, heard, and well-represented. We will process your personal data in accordance with our Recruitment Privacy Notice which is available on _

You’ll join the Core Borrowing team, a cross-functional group consisting of Credit Analysts, Product Manager, Engineers, Designers, Marketers, Customer Research. As a Senior Credit Analyst, you’ll play a critical role in shaping Monzo’s credit strategy across core lending products. We're on th

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as and bank accounts, we offer , , a and in the UK, with more exciting things to come beyond. Our UK customers can also , and _ with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍Location Remote in the UK | 💰 £24,750 to £29,625 + | ✨ (If you are based in London the minimum salary offer will be £27,250) Please reference any literature that you may refer to, as applications that are highly plagiarised and not your own work. e.g. ChatGPT, will be declined. Your Day to Day; Our Collections team are the financial health heroes at the core of Monzo. They are here to identify and support customers who may be struggling with debt, offering them compassion and options to help. They do this with their top notch understanding of Monzo’s award winning lending products, credit file details and something we call a ‘decisioning process’ - something we’ll teach you all about! You should apply if: • You are able to start on 13th April 2026 and able to attend 7 weeks training, Monday to Friday 9am - 5.30pm, • Prior experience in Collections, Debt Recovery or Customer Service within a contact centre environment experience would be advantageous, • Have a background supporting customers with vulnerability, • You’ll need to have a background supporting customers, • The ability to communicate with customers to the highest standard because we only want the best for them, • You can ask open questions to understand their situation, listen and provide solutions via our in-app chat, outbound and inbound calls and emails, • From time to time things are complex so a keen eye for detail and a high standard of work will really help in this team, • Understanding and keeping up to date with our regulatory obligations and ensuring these are fulfilled in our customer outcomes (in line with the FCA).Most importantly - you live and breathe people and customers like we do The interview process: Our interview process involves 3 main stages: • Please answer the application questions and the 4 scenarios within, • Recruiter Call - 30 minutes, • Competency-based Values and Role Specific Interview - 60 mins approx. ⏰ Your working life and shift requirements • Working hours fall within Monday to Friday 8am to 8pm and Saturday and Sunday 9am - 6pm (37.5 hours a week, remote working)., • Your shift pattern will vary on a weekly basis, but don't worry, we give you plenty of notice in advance., • You're guaranteed 1 full weekend off each month., • We'll guarantee time off on your birthday (if you want it). This will come from your regular holiday balance and provided you have enough to cover it. 🙌 What’s in it for you 💰 £24,750 to £29,625 ➕ plus stock options & benefits 📚£1,000 learning budget each year to use on books, training courses and conferences. ➕ Plus lots more! _. We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. _ You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to falahahmad@monzo.com. 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. Please note we will close this role once we have enough applications for the next stages. Please submit your application asap to avoid any disappointment. #LI-REMOTE #LI-FA1 Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our , 2024 and 2024 _ We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

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

Salary: £25,000 per annum (£25,500 on probation pass) Role type: Permanent Location: Remote First with requirement to attend an office day in Peterborough once a month Reports to: Repairs Manager, Operations About Hometree Join Hometree Group and be at the forefront of transforming the residential energy landscape. Founded in 2015, Hometree began its journey in the home cover market. Today, we are spearheading the shift towards a future where home energy systems are decentralised, digitised, and reliant on renewable sources such as heat pumps, solar panels, batteries, EV chargers, and smart controls. This innovative approach is not just about sustainability; it's about empowering homeowners to manage their energy more efficiently and cost-effectively, thereby setting new standards in energy consumption. We operate across three dynamic divisions: Financial Services: Here, you'll contribute to offering flexible financing options that make it feasible for homeowners to embrace renewable energy technologies and make essential upgrades. Energy Services: Be part of our extensive network of local installation businesses that equip homeowners with the cutting-edge, sustainable energy solutions necessary for reaching net-zero emissions. Home Services: Help maintain the comfort and functionality of homes with comprehensive coverage plans that protect the essential hardware in the home. At Hometree Group, we are committed to guiding UK homeowners on their journey towards more sustainable energy solutions, and we need passionate individuals to support them at every step. Join us during this exciting time, and play a pivotal role in a business that supports sustainable homeownership in alignment with their readiness and needs. Key Achievements 🏆 £85m+ Capital Raised - We’ve raised over £85m to-date from leading global investors including Legal & General Capital and specialist energy VCs 🏆 6 Acquisitions - We've expanded our operations by acquiring four key companies across financing (Hometree Finance - formerly Bewarm), home cover (Your Repair) and installations energy services (GreenGenUK, Geowarmth, The Little Green Energy Company and IMS) 🏆 100k Homes Covered - We cover over one hundred thousand homes across the UK 🏆 280+ Employees - We have over 280 passionate employees transforming the industry across the Group, one home at a time The Role We’re looking for organised, proactive individuals who thrive in a fast-paced, evolving environment. The Repairs Team is central to our operations, managing customer repair requests across heating, plumbing, electrics, and appliances. Acting as the key link between customers, engineers, and suppliers, you’ll ensure issues are resolved efficiently and cost-effectively. While we work remotely, you’ll need to be based in or near Peterborough to attend monthly in-person team meetings. Shift patterns available Full time (37.5 hrs) 7.5 hour shifts on rotation, with working hours between 8:00-19:30 (including 1 full weekend in 3-4 on rotation). Responsibilities: Scheduling: Schedule appointments for engineers to attend customers’ properties to evaluate and resolve problems, liaising with both engineers and customers to find a suitable time. Inbound Calls: Take inbound calls from engineers on-site to assist them with their queries and provide live support. You might be required to take customer calls depending on the demand and the business requirements. Cost control process: Work through the cost control process with engineers, ensuring that repairs are completed efficiently and economically. Appointment scheduling: Check appointments are taking place as scheduled, and where they are not, update the customer and reschedule at the earliest opportunity. Assess engineer reports following the completion of a visit to determine next steps. Ordering: Order parts when needed, scheduling subsequent engineer visits where necessary to complete a fix. Outbound Calls: Make outbound calls to keep customers informed as to the status of their claim through each step until it has been resolved to their satisfaction, and communicate claim rejections to customers, explaining the reasons and exploring alternative solutions if applicable. Support: Support other operations teams when they reach out to get more information on repairs or claims. Collaboration: Work with our Network team to keep them informed about our engineers’ needs and requests and work with our Tech and Product teams to improve existing processes and tools and improve the automation of our processes. What we’re looking for Our ideal colleague will exhibit all of the following attributes: Experience: 12+ months working in a fast-paced Operations team with high volumes and multiple systems. Organisation: Highly organised and able to prioritise operational tasks for the best customer output. Initiative: A self-starter with a customer-centric mindset who gets a kick from resolving customers' problems. Decision-making: Confidence in making decisions and clearly communicating the reasoning and process behind the outcome. Discipline: Disciplined and organised with a keen eye for detail and an ownership mindset, ensuring no stone is left unturned in delivering great service. Multitasking: Enjoy multitasking and comfortable switching between calls, emails, systems, and tasks. Interpersonal skills: Strong interpersonal skills with an engaging and empathetic manner when communicating on the phone, in person, or in writing. Resilience: Resilient and able to handle difficult situations calmly and assuredly with customers over the phone, working to find the best outcome. Team player: Positive attitude, enjoys working collaboratively to resolve issues, and stays calm and focused on resolving the issue for customers and engineers. Extra Credit: Similar experience in insurance, maintenance and repairs company Our Recruitment Process: Please amend the below to the interview process you have for this role. Initial Call: Start with an introductory call with our Junior Talent Acquisition Specialist to discuss the role and your potential fit. (30 mins) Skills-Based Interview: Engage in a detailed discussion about your past experiences with our Repairs Manager (1 hr) Final Interview: Final interview with a member of senior management or our senior leadership team (30mins) We have an ever expanding list of benefits that currently includes: 33 days holiday inclusive of bank holidays pro rata plus your an extra day for your birthday Flexible remote working - with requirement to attend our Peterborough office on a monthly basis Free boiler & home emergency cover with Hometree plus 40% discount for friends & family Discounted gym membership across over 100 UK gyms (independent and chains) and free fitness, wellness and nutrition apps. £300 Home office allowance Support for your mental health and wellbeing via _ Menopause support from _, including friends & family access Cycle to work scheme Regular team socials including Summer and Winter parties. FCA Code of Conduct At Hometree, we prioritise ethical conduct and regulatory compliance. As a regulated financial services organisation, we operate under the strict guidelines and regulations set forth by the Financial Conduct Authority (FCA). We are committed to maintaining the highest standards of integrity and professionalism in all aspects of our business. As a prospective member of our team, you will be expected to fully embrace and adhere to the FCA Code of Conduct obligations. These obligations are designed to ensure the fair treatment of customers, the preservation of market integrity, and the promotion of healthy competition within the financial services industry. Equal Opportunity Employer At Hometree, we are committed to creating an inclusive and representative environment. We know that different experiences, perspectives and backgrounds make for a better workplace and a better planet. Together, we celebrate differences and promote a culture where you can bring your full self to work. We promise to give you the same opportunities as everyone else and we won't discriminate against you at any point in the hiring process or the working day. This includes how we source talent, our interview process, our conditions of employment, feedback and everything in between.

Full-Time Accountant Application" in the subject line. Full-Time Accountant (On-Site or Remote). EX Venture Academy is urgently seeking a full-time Accountant with strong experience in European market regulations, particularly German tax laws and credit systems.

They are looking for an experienced Credit Controller to join their finance team. At least 12 months of recent experience as a Credit Controller within a law firm.

📌 Position Title: Product Manager 🌍 Location: Remote – Europe ⏰ Working Rhythm: Innovation is a 24/7 pursuit, but we value your downtime. While our typical working hours are 6am-2pm Eastern Standard Time (to ensure overlap with US team), we embrace flexibility and trust you to manage your schedule to meet your individual needs and peak productivity times. Occasionally, longer hours may be required to tackle challenges, support new releases, or contribute to time-sensitive initiatives. 📝 Contract Type: Full-Time Employee 🤝 Reporting To: Chief Product Officer Role Impact We’re not looking for a traditional Product Manager. We’re looking for a deeply technical, AI-native, customer-obsessed product leader who can build a world-class, consumer-grade experience in a category that hasn’t historically delivered one. As a Product Manager at Nexford, you will own and evolve critical parts of the learner journey end-to-end. This is not about shipping features. It’s about building a product that learners come back to every day, stay engaged with over months and years, and ultimately credit with changing their lives. You will operate at the intersection of AI, product, and human behavior. You will deeply understand our learners, speak with them constantly, and translate real needs into thoughtfully designed experiences. You will help define what an AI-native, learner-first university actually looks like in practice. If you’ve built sticky B2C products, are obsessed with understanding users, and know how to turn AI capabilities into real user value, this role is for you. Key Responsibilities Own the Product, Not Just the Roadmap Take full ownership of product areas across the learner lifecycle. Define what to build, why it matters, and how success is measured. Customer Obsession & Design Thinking Develop a deep, continuous understanding of our learners through regular user conversations, research, and behavioral analysis. Apply strong design thinking principles to ensure every product decision is intentional, user-centered, and outcome-driven. Build AI-Native Experiences Identify and ship AI-powered features that meaningfully improve the learner experience. Move beyond surface-level integrations and build products where AI is core to the value proposition. Drive Engagement & Retention at Scale Design systems that keep learners coming back. Obsess over activation, habit formation, and long-term retention across a multi-month and multi-year journey. Operate Like a B2C Product Leader Build consumer-grade experiences for a global audience. Raise the bar on usability, personalization, and product quality. Turn Data Into Decisions Instrument everything. Run experiments. Combine quantitative data with qualitative insights to drive prioritization and iteration. Lead Cross-Functionally Work closely with Engineering, Design, Data, and business teams to ship high-quality products quickly. Create clarity and momentum across teams. Move Fast, Improve Constantly Ship, learn, iterate. Maintain high standards without slowing down. Continuously raise the bar. Skills & Qualifications Proven B2C Product Builder 5+ years as a Product Manager building and scaling B2C products, ideally with global audiences. Experience with products that require sustained engagement, not one-time transactions. AI-Native Thinking (Non-Negotiable) Strong understanding of AI/ML and hands-on experience building AI-powered products. You know what’s real vs hype and can translate capabilities into shipped features. Customer Obsession (Non-Negotiable) You speak with users constantly. You deeply understand their needs, behaviors, and pain points, and you build products that reflect that understanding. Strong experience with user research, usability testing, and translating insights into product decisions. Retention is Your Game You have a track record of improving activation, engagement, and retention in products with long customer journeys. Highly Technical You’re comfortable going deep with engineers. You understand systems, APIs, data flows, and how modern products are built. You use AI tools daily. Product Judgment You know what matters. You can prioritize effectively and make high-quality decisions with imperfect information. Relentless Ownership You don’t wait. You don’t need hand-holding. You take responsibility for outcomes, not just output. Clear Communicator You can align teams, simplify complexity, and articulate product direction clearly. If you're passionate about transforming lives through education and have a proven track record of delivering exceptional customer experiences, we encourage you to apply! About Nexford University Nexford University is a next-generation learning institution based in Washington, D.C. We're on a mission to revolutionize education by providing learners worldwide with access to high-quality, affordable, and dynamic online education that equips them for success. We prioritize skills over theory, preparing our learners for the workplace of the future in industries with immense growth potential. Our goals are clear: 🚀 Empower learners with the skills they need to achieve their career aspirations. 🌍 Deliver a 100% online global education, ensuring accessibility regardless of location. 💼 Offer an educational model centered on mastery of workplace competencies. 🧠 Foster critical thinking, problem-solving, and lifelong learning skills. 🤝 Create a global community, harnessing collaborative technology for learner success. 💲 Provide flexible, affordable, and continuously updated educational opportunities. Interested in finding out more about us? Visit _ for more information and join our mission!

About 1Password: We all have important information we need to manage, and protecting it should be easy. Over 150,000 businesses and millions of people log in to 1Password to unlock smart, simple access to everything they care about. Our vision is to create a safer, simpler digital future for everyone, and our culture values simplicity, honesty and a human-centric approach to solving problems. Come help us unlock peace of mind so everyone can stay safer online. As a Solutions Engineer, Enterprise, you will work closely as a trusted partner to our Enterprise teams within Go-to-Market to help improve sales productivity and deal flow by providing technical expertise and be responsible for helping them to achieve their sales targets. You will collaborate with Marketing, Product Management, and Support resources, and interact with key customer technical decision-makers to ensure proposed deals include technical solutions that accurately and specifically address our Enterprise customer’s needs and use cases. This is a remote opportunity within the UK. \n What we're looking for: • Communication (& Language): You have excellent written and spoken communication skills in both English and Dutch, with the ability to engage and develop relationships, sharing information effectively across all professional levels., • 3+ years experience in customer-facing activities in a B2B environment., • 2+ years experience working directly with enterprise customers as a Solutions Engineer., • Ability to disseminate and popularize technical information for a general audience., • Great presentation and communication skills., • Keen eye for detail and quality., • Excitement when it comes to investigating, testing and exploring solutions for customers., • Exhibits a high degree of independence, leading projects confidently with minimal to no oversight., • Demonstrates exceptional adaptability, expertly managing several high-priority projects at once without compromising on quality., • Thrives both independently and within a dynamic team setting, effortlessly navigating the rapid evolution of products and services., • It’s a bonus if you have personal experience with 1Password or another password manager—while not required, it’ll help you gain confidence quickly in this role., • Familiarity with the acronyms SCIM, AD, CLI, SSO, and of course SaaS., • Experience working with SaaS tools and in the security industry is an asset. What you can expect: • Be the main technical point of contact within 1Password’s Go-To-Market team., • Proactively scope the technical solution required to address Enterprise customer requirements, assess customers’ met and unmet needs, and recommend optimum solutions and support., • Understand our competitors thoroughly for objection handling and talk track development., • Provide technical coaching and professional development to 1Password’s sales team., • Collaborate with Product Management and Support teams on technical solutions proposed throughout the sales process and alert the sales teams to potential risks of deal closure., • Provide technical education to customers and staff when needed., • Prepare proposals and respond to RFIs, RFPs RFQs, and vendor/risk assessments., • Occasional travel may be required for events., • After 1st month = Gaining an understanding of overall how 1Password's Go-to-Market team works, the tools we use, the processes, 1Password as a product and our security model. You will dive deeper into the tools utilized by Solutions Engineers on a daily basis, how we work with other teams and more., • At 3 months = It is expected by 3 months that you will be up & running solo in customer calls, you will have experienced demo feedback training sessions, shadowed calls and had a reverse shadower on ones of your own. The call types will include technical discoveries, technical consultations, 1Password EPM + XAM demo calls and developer tools demos. You will be completing RFPs/RFIs and starting to get active in the Slack channel that Solutions Engineering monitors., • At 6 months = You will be well-versed in customer calls and will be active within the Slack channel that Solutions Engineering monitors, you will be managing at least one tier 2 product launch related project and will be active in creating, updating and verifying cards in our internal knowledge base (Guru) plus creating short recorded demo videos for customers., • Please note that this job description is subject to modifications and is not an exhaustive list \n We believe in the power of remote work, but we also recognize that some in-person connection with team members and customers is important to help us achieve our mission. While we are a remote-first company, occasional travel for in-person engagement will be a part of this role. This may include but is not limited to bi-annual department-wide offsites, quarterly department meetings and periodic customer events. These events will typically be held in varying locations across Canada and the USA. In leadership roles, you can expect to travel once per month on average. What we offer: We believe in working hard, and resting hard. We’re always looking for new ways to support our team members, but here’s a glance at what we currently offer: Health and wellbeing 👶 Maternity and parental leave top-up programs 👟 Wellness spending account 🏝 Generous PTO policy 💖 Company-wide wellness days off scheduled throughout the year 🧠 Wellness Coach membership 🩺 Comprehensive health coverage Growth and future 📈 Employee stock option program for all full-time employees 💸 Retirement matching program 💡 Training budget, 1Password University access, and learning sessions 🔑 Free 1Password account (and friends and family discount!) Flexibility and community 🤝 Paid volunteer days 🌎 Employee-led DEIB programs and ERGs and ECGs 🏠 Fully remote environment 🏆 Peer-to-peer recognition through Bonusly You belong here. 1Password is proud to be an equal opportunity employer. We are committed to fostering an inclusive, diverse and equitable workplace that is built on trust, support and respect. We welcome all individuals and do not discriminate on the basis of gender identity and expression, race, ethnicity, disability, sexual orientation, colour, religion, creed, gender, national origin, age, marital status, pregnancy, sex, citizenship, education, languages spoken or veteran status. Be yourself, find your people and share the things you love. Accommodation is available upon request at any point during our recruitment process. If you require an accommodation, please speak to your talent acquisition partner or email us at nextbit@agilebits.com and we’ll work to meet your needs. Remote work is a part of our DNA. Given that our company was founded remotely in 2005, we can safely say we're experts at building remote culture. That said, remote work at 1Password does mean working from your home country. If you've got questions or concerns about this, your talent partner would be happy to address them with you. Successful applicants will be required to complete a background check that may consist of prior employment verification, reference checks, education confirmation, criminal background, publicly available social media, credit history, or other information, as permitted by local law. 1Password uses an automated employment decision tool as a part of the recruitment process. See the latest bias audit . A reasonable accommodation, reasonable alternative selection process, appeal or to exercise your right to opt-out of AADM may be requested by emailing with subject "AI accommodation request". For additional information see our _.

Hi, we’re Griffin! We’re the bank for companies who want to build and launch financial products. We're rapidly heading towards a future where most of us access financial services through technology companies rather than high street banks. All sorts of companies are now embedding financial products into their apps and user journeys so that their customers can seamlessly make payments, manage expenses, take out loans, save, invest, and do more. The problem is that companies are still dependent on legacy banking infrastructure if they want to offer regulated financial products. They need to either partner directly with an incumbent bank and/or stitch together middleware from various Banking as a Service (BaaS) providers. This process is slow, expensive, and complex and makes it very hard for companies to get new financial products off the ground. At Griffin, we want to change this. We want to make it easy for companies to bring finance to their customers at the point of greatest relevance. So, we built a bank. But not just any bank! Griffin is a technology platform and a bank: fully regulated, API-first, developer-centric, and purpose-built to serve innovative fintechs and brands who want to build and embed financial products. _ Our culture is our most important asset, and one of the ways we safeguard it is by being extremely intentional about hiring the right people. We won't hire people who don’t seem like a strong fit for our core values, even if they're otherwise extremely qualified. We also believe that smart, motivated, conscientious people thrive in high-trust, high-autonomy environments. That’s why we’re transparent by default, and we encourage open discussion and challenge across all levels of the organisation. We’re also remote-first, asynchronous, and fully flexible - because you're the expert on how and when you do your best work. _ Our vision is that our Finance team plays a central part of the business, somewhere the Board can rely on to support strategic planning. The team are thought leaders in relation to finance, regulatory, planning and strategic matters. You'll be reporting directly to our Treasurer, as well as working closely with other functions of the business. You will have a real and meaningful impact on the success of the Finance function at Griffin, as we lay the foundations of the future of global financial infrastructure. The ideal candidate for this job will have most of the following: 2–5 years of experience in treasury function in banking or financial services sector Confident working in Excel or Google Sheets Familiar with or eager to learn about liquidity and capital regulation (e.g., CRR, Basel III, LCR, NSFR, IRRBB) Strong analytical skills, with a careful eye for detail Proactive, self-starter, and able to operate independently We’re hybrid-remote, and most of your colleagues will not share an office with you on a day-to-day basis. This means you should also have: A high degree of comfort adopting new software tools for document drafting, collaboration and communication. A love of writing - we have a major amount of written documentation that you will be contributing to, and we place a high degree of importance on clarity and readability (you can find out more here about _ ) As our Treasury Manager, you’ll help shape and run the daily and monthly rhythms of our treasury function. You’ll prepare and develop reporting across liquidity, capital and interest rate risk; support cash-flow forecasting; and keep our treasury mandates up to date. Daily reporting: you’ll produce the daily treasury dashboard covering liquidity, capital, and interest rate risk while maintaining and improving the processes behind our management information Monthly reporting: you’ll support our month-end cycle (including preparing materials for ALCO), calculate interest income on treasury assets (such as treasury bills, supranational bonds, and covered bonds) and deliver monthly reporting on deposits, interest-earning assets, net interest income, and customer profitability Cash-flow forecasting: you’ll prepare daily and intra-day cash-flow forecasts to flag any surplus or shortfall and update key balances, including the Bank of England Reserve Account, liquid assets, and customer deposit positions Maintaining treasury mandates: you’ll ensure authorised signatory lists, counterparty lists, and user-access levels are consistently accurate and up to date. Other responsibilities: You’ll prepare capital-issuance submission forms and reconcile treasury balances and transactions, ensuring all activity is accurately recorded and well documented. We are an early stage startup and we're working hard to expand our benefits package. We're planning to add to this list in the future. Salary: £ 75,000 DOE 25 days off a year + winter break (we close in between Christmas and New Year) + bank holidays Share options - so you own a piece of what we’re building Remote-first flexibility - work from anywhere in the UK WFA - Everyone gets up to 20 ‘work from abroad’ days a year Support with home office setup 1:1 coaching and therapy through Oliva Auto-enrolment into company pension scheme with Penfold Enhanced parental leave with up to 6 months at full pay Private medical insurance and life insurance (provided by Vitality and AIG respectively) As a bank, we’re committed to maintaining the highest standards of security. This means that the successful candidate will need to complete background screening, and our offer will be conditional upon satisfactory review of these checks. This would include verification of right to work, criminal record, credit history, social media and professional reference checks Are we your next move? Apply via the link below, if there's a match our Talent team will reach out to schedule an initial conversation and talk you through what happens next. We have a small London office in Moorgate, but we are comfortable hiring people to work from anywhere in the UK. About a third of the company is based within occasional commuting distance of London, the rest are full-time remote. Our goal is for Griffin to proportionally represent the diversity of the working population in society. We’re working to ensure that Griffin is a supportive, empowering and inclusive environment for every member of our team — whatever your combination of race, ethnicity, gender, age, sexual orientation, physical ability, nationality, neurodiversity, and religious beliefs. If you’re part of a group that is under-represented in fintech, we’d love to hear from you.

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.UK, with more exciting things to come beyond.With our hot cor

Our Borrowing Collective is building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money. We value flexibility, connection, and wellbeing. We offer flexible working hours and trust you to work enough hours to do your job well,

We're on the look out for Credit Analysts (L30) at the moment, you can read more in our.

We're hiring for a Spanish speaking Credit Controller to join a world leading science and related technology company. Job responsibilities of the Spanish speaking Credit Controller.

Flex is an innovative credit card that gives our customers unprecedented visibility and control over their spending, offering features like flexible instalment plans and instant app management. If you are passionate about using data and agile technology to solve real-world financial problems and cre

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as and bank accounts, we offer , , a and in the UK, with more exciting things to come beyond. Our UK customers can also , and _ with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ _ ✨ Product Legal Counsel - Legal (L50) 📍London/Cardiff/UK Remote | 💰circa £100k + Stock Options + Benefits | _ ✨ We’re looking for a Product Legal Counsel to join our team at Monzo, at Senior Legal Counsel level, to help us build one of the best, most innovative banks in the world. You will report to Monzo’s Director of Product Legal and work within a team of product lawyers to give first rate legal advice and support to Monzo’s Product Collective, including areas like borrowing, personal and business banking. In this role, you’ll work closely with Monzo’s product collectives to build and deliver banking products, and support the team in making money work for everyone. You’ll work at all levels in the organisation and with a wide-range of stakeholders from Product Managers and Designers, to Operations professionals and Software Engineers, and Risk and Compliance. You will be the ‘go to’ for all things legal and regulatory, and an important part of a team trying to improve our customers’ financial lives. Your day-to-day: • You’ll work directly with senior lawyers, product managers and engineers to provide legal advice and commercial insights to develop and grow Monzo Bank in the UK., • In particular, you will:, • Partner with product managers to advise on legal matters relating to our borrowing, personal or business banking products and and advise on the legal and regulatory requirements for a growing bank., • Help to develop efficient ways of working to enable Monzo to scale quickly, and ensuring Monzo operates safely and in accordance with the law and regulation., • Coordinate and collaborate on legal matters with teams across Monzo including the Compliance, Risk and Control, other control functions and business teams., • Provide training and knowledge sharing with other Monzonauts on the impact of laws and regulations on Monzo or our customers., • Often act as the sole lawyer advising product managers or other colleagues (with support behind the scenes from more senior lawyers) and therefore act autonomously, take ownership of matters, identifying legal issues proactively, evaluating relevant risks and finding effective solutions to unique and complex business activities., • Help colleagues in the Legal Team to build a world-class and scalable, high performing Legal team by testing and developing new ways of working., • You’ll work closely and collaboratively with Monzo’s Director of Product Legal, General Counsel of MBL and the other members of the UK Legal team to provide legal advice and commercial insights to Product teams., • You’ll be a trusted advisor and will work proactively and collaboratively with other relevant stakeholders and teams across the Monzo Group, including the Product, Risk & Compliance, Supplier Operations, Financial Crime, Fraud, and Operations teams., • You’ll work with Monzo’s Director of Product Legal, other lawyers and compliance to identify legal and regulatory risks relating to existing and new products, ensure robust challenge and scrutiny of product changes as they go through Monzo’s governance process and to ensure that the businesses you support respond appropriately to new and changed legal and regulatory requirements., • You’ll support Monzo’s global product development work by coordinating the legal review of products by collaborating with legal teams in the EU and US to identify local legal and regulatory requirements., • You’ll work with the Legal and Board Governance collective to improve the commercial management of the activities of the legal team, including through identifying suitable technology solutions to streamline workflows, optimise processes and work efficiencies, and increase scalability., • You’ll proactively manage relationships with external suppliers and law firms to enhance processes around cost management to ensure we are optimising our spend and extracting best value while delivering top-quality legal support. We’d love to hear from you if: • You are a technically excellent lawyer with a minimum of 5 years of relevant post-qualification experience working in the banking and finance sector., • You have a strong background advising on commercial and regulatory issues relating to banking products with specific knowledge and experience evidenced in consumer credit, payments and banking conduct rules., • You have demonstrated experience of advising on laws and regulations relevant to financial services, in particular consumer credit, payments and banking products. You are able to explain complex regulations (including the Consumer Credit Act and Payment Services Regulations) in a simple way and you look for innovative ways of solving problems., • You have experience advising on the content of regulated financial promotions and supported marketing teams with legal issues relating to the marketing of financial products., • You are a strong communicator who can provide clear, precise, and practical legal advice, effectively articulating what is relevant and important in a concise manner. You can take a position on key issues, present persuasive recommendations, and constructively drive consensus among senior stakeholders., • You have excellent organisational skills and attention to detail, with the ability to prioritise and work effectively and independently under tight deadlines across multiple projects., • You have good interpersonal and team player skills and can evidence working across a network of cross-functional stakeholders to collaboratively solve problems., • You are a keen problem solver, skilled at assessing risk and recommending solutions that balance commercial and risk considerations. You think ahead, anticipate relevant challenges, understand the commercial objectives of the teams you support, set clear objectives, and find effective solutions., • You enjoy horizon scanning, proactively assessing risks, and quickly identifying and independently implementing mitigating actions. You are always looking for new ways to improve the efficiency and scalability of legal processes and systems., • You have a dynamic and entrepreneurial approach and are comfortable with the ambiguity of a fast-paced and rapidly-evolving environment., • You are proactive, take initiative to broaden your knowledge, and are passionate about the intersection of banking and technology and the transformation unfolding in consumer finance. You are excited to join us for the next stage of our journey at Monzo! The interview process: Our interview process involves 3 main stages: • Recruiter call, • Initial call, • Full loop: Technical and behavioural interviews Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com What’s in it for you: 💰 circa £100k ➕ plus stock options & benefits ✈️ We can help you relocate to the UK [✅ We can sponsor visas] 📍This role is based in our London office. If you are not based in London, we're open to discuss this on a case by case basis. ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚 Learning budget of £1,000 a year for books, training courses and conferences ➕ And much more, see our full list of benefits _ #LI-DH1 #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 , 2024 and 2024 _ We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

You must speak a European language fluently and have prior experience in credit control or accounts receivable. Monitoring and chasing debts on a ledger of accounts. Customer accounts reconciliations.

To help advance our vision of modern money movement, Marqeta is looking for a Senior Counsel, EU/UK Product & Regulatory who is enthusiastic about payments technology and its potential for positive impact in peoples’ lives. You will help drive high-profile cross-functional initiatives across the business involving a variety of complex legal and regulatory issues relating to managing risk for financial and payments products in the EU/UK and internationally. You will also provide legal advice and support for our international expansion efforts. This requires strong business acumen and the ability to both work independently and with large multi-stakeholder teams. We are looking for someone with sharp analytical and communication skills, who is diligent, organized, engaged, proactive, collaborative, and who has demonstrated excellent legal and business judgment and strategic thinking. You will report to the Assistant General Counsel overseeing international product and regulatory. We work_. This role can be performed remotely within the UK. We’d love for you to join us! The Impact You'll Have This Senior Counsel position will be a critical legal role located in the UK. You will have a broad range of responsibilities and work in close partnership with cross-functional and geographically diverse teams supporting the development and delivery of Marqeta’s payment products and services. As we advance our vision of modern money movement, we seek a subject matter expert, regulatory lawyer who’ll be deeply engaged to help us scale globally. Who You Are • Serve as the lead attorney for strategic, complex and cross-border arrangements with Marqeta’s customers and partners within UK/Europe, • Provide timely, concise and business-focused legal advice on payments law impacting Marqeta’s relationships in UK/Europe and other regions, • Partner with legal and business stakeholders to help automate, scale and continuously improve standard form agreements and legal processes, • Have deep and practical knowledge and expertise in international laws, rules and regulations related to prepaid and debit products in various jurisdictions, focusing on the UK and the EEA, • Provide legal advice on payment laws, financial services regulations, data privacy, consumer protection, and enforcement actions for existing products and new features in covered jurisdictions, • Assess legal risks, recommend mitigation strategies, and provide legal advice to cross-functional stakeholders (product, engineering, risk, go-to-market, etc.) in connection with maintaining the integrity of the financial platform, • Collaborate with and manage outside legal counsel, • Be a team player and self-starter with drive and initiative, • Have high integrity and great judgment while working across the organisation Key Skills and Competencies • 5-10 years’ experience practising either in-house or at a reputable law firm, with at least 3 years working in or advising companies in the payments, fintech or financial services space, • A proven high-calibre, solution-oriented and proactive attorney with experience in the payments space, including experience with prepaid, debit and credit card products in the UK and EEA, • Understanding of laws and regulations pertaining to financial services and technology (including Payment Services Directives; Anti-Money Laundering Directives; GDPR; Interchange Fee Regulations and EBA Guidelines), • A solid business focus with practical risk awareness and the ability to balance legal risk mitigation against key business objectives and risks, • Experience drafting and negotiating contracts for payments companies or financial institutions, • Familiarity with rules for card networks and other payment clearing systems, • Understanding of payments technology (e.g. APIs, tokenization, digital wallets, crypto), • A keen sense of ownership and the ability to independently drive complex projects to completion on tight timelines in a fast-moving, high-performing environment, • Sound judgment and the ability to work both autonomously and collaboratively, • Amenable and ready to support colleagues and projects across multiple time zones, • Excellent oral and written communication skills; ability to work on teams and independently; ability to drive accountability and influence outcomes, • The ability to challenge and be challenged both internally and with clients in a constructive and respectful way, • Advanced problem solving skills, i.e., the ability to quickly digest a problem, evaluate various options/solutions and empower yourself and others to deliver, • Team player with a positive attitude and commitment to excellence, • LLB degree and member in good standing of a the local bar (or equivalent in your jurisdiction) Hiring Manager • Sean Yang Recruiter For This Role • Louise Devlin Compensation and Benefits • Premium Private Medical and Dental coverage, • Generous time off program with additional “Floating Holiday days”, • Retirement savings program with company contribution, • Equity in a publicly-traded company and an Employee Stock Purchase Program, • Monthly stipend to support our remote work model, • Annual development stipend to support our people growth and development, • Family-forming benefits and up to 20 weeks of Parental Leave, • Wellbeing programs i.e. Modern Health, HealthKick and much more…

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as and bank accounts, we offer , , a and in the UK, with more exciting things to come beyond. Our UK customers can also , and _ with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London/Cardiff/UK Remote | 💰 £86,000-105,000 + | ✨ About us: At Monzo we want to make money work for everyone. We care deeply about our 15+ million customers. Through magically simple products and actionable insights, we put our customers in control of their finance. Our products are different by design, and reliable at our core. Our range of borrowing products are critical to Monzo’s mission. Not only do they serve important needs of our customers, they are also a key revenue driver to support Monzo keep delivering great products and experience. We have seen stellar growth and deep engagement with millions of borrowers, supported by effective and efficient credit risk management. Our product portfolios are still expanding fast, from personal to business credit, and markets beyond UK. We are looking for bright, passionate and creative individuals to further accelerate our growth. About the role The mission of Borrowing ML Scientists is to improve the customer and business outcomes through better automated decisioning, using Machine Learning and Statistical modelling. We have a primary focus in credit risk modelling, with our expertise also applied to predict and optimise utilisation, pricing, collection and marketing. You will be working alongside a team of very experienced and highly efficient ML Scientists, with well established toolings for the fully lifecycle of ML models. Each of you owns multiple ML applications end-to-end, from experiment design and data curation, to deployment and monitoring. You will be empowered to innovate in the data, methodologies and toolings, so we can build better models easier and faster. You will have exposure to all Borrowing products and applications, with autonomy to decide what are the most impactful topics to work on, and how to deliver them. You will work closely with our Credit Strategy Managers, Model Validation Analysts, Backend Engineers, and Product Managers, to fit your model development into the product roadmap. You are also empowered to think big about the business, market and customers, to influence our product and credit strategy beyond just the world of models. Our technology stack We rely heavily on the following tools and technologies (although we do not expect applicants to have prior experience of all them): • _ for all of our analytics usages, • and for our data modelling and warehousing, • PyData stack for model development and offline deployment, • Google Vertex AI platform for cloud computing, • _ for backend infrastructure, • Python for ML model microservices, • Go lang for most other microservices, • AI toolings for productivity (an evolving list), • Google suites including access to Gemini, • ChatGPT enterprise, • Claude code 🤩 You should apply if: • You are result oriented and motivated by the impact on our customers and business, • You enjoy a high degree of autonomy and thrive in a fast-paced environment, • You are keen to grow your knowledge in both business and technology 📌 You must have: • Excellent SQL and Python skills with good understanding of best practices in software engineering and data engineering, • In-depth knowledge of statistical and machine learning models: gradient boosted trees, logistic regression, neural networks, survival analysis, etc, • Solid knowledge of statistics: hypothesis testing, confidence intervals, bootstrap, • Experience of end-to-end model development and maintenance of ML models used for business critical automated decisioning, in a consumer facing industry, • Great attention to details while keeping an eye on the big picture, • Excellent communication skills to articulate complex problems, • Capability to build mutual respect and trust with people of different background Nice to have: • Experience in UK/EU retail lending businesses for personal/business customers, • Experience of ML model governance in a regulated industry, • Experience in leverage modern day AI tools for productivity The Interview Process: Our interview process involves: • 30’ Recruiter Call, • 45’ Initial Call, • 60’ ML technical skill interview, • 60’ Behavioural interview All interviews will be conducted through Google Meet. Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on _ What’s in it for you: 💰 £86,000 to £105,000 ➕ plus stock options & benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be either based in our London office with hybrid working pattern, or fully remote within UK with occasional travels to London. 🏡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. ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚 Learning budget of £1,000 a year for books, training courses and conferences ➕ And much more, see our full list of benefits _ #LI-DC2 #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 , 2024 and 2024 _ We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as and bank accounts, we offer , , a and in the UK, with more exciting things to come beyond. Our UK customers can also , and _ with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ _ ✨ 📍London or Remote (UK) | 💰 £155-175,000 + Options + _ About the team: Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. With our Flex product we’re reinventing credit cards to give customers more visibility and control over their spending. Our portfolio is growing rapidly and we’re expanding our team to support our future growth ambitions. We’re looking for a Director to lead the credit strategy for Flex originations. You will lead the team responsible for developing the credit and pricing strategies as we evolve our existing propositions and develop new products and distribution strategies. Our credit teams are part of our Data Discipline which drives a strong culture of data-driven decision making across the whole company. We’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses. Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast paced and innovative way. How you’ll contribute: • Lead a team that will develop credit and pricing strategies for our growing range of Flex products and distribution channels, • Work closely with squad leadership to develop and execute an ambitious growth strategy for Flex, • Oversee the development and maintenance of the NPV models and affordability strategies that underpin the Flex underwriting decisions, • Promote a culture of proactive, high quality analysis and ensure we have the right credit capabilities, infrastructure and talent in place to scale safely, • Collaborate with the Decision Science team to maximise value from our internal and external data through cutting-edge ML models, • Partner closely with key stakeholders including Capital, Impairments and Forecasting, Financial Health (Collections and Recoveries), Finance, Second Line Credit Oversight, • Be a member of the Borrowing Leadership Team which drives Monzo's overall borrowing strategy You should apply if: What we’re doing here at Monzo excites you! • You have multiple years of experience in unsecured lending, especially credit cards, • You’re as comfortable getting hands-on as well as taking a step back and thinking strategically and proactively identifying opportunities, • You have a working understanding of the regulations that apply to lending in the UK, • You have experience working at banks with growing lending portfolios, • You have track record leading analytical teams, • You are a clear and precise communicator, able to cut through complex problems and articulate decision points for our executive team, • Are comfortable working in a fast-moving and changing company, • (Ideally) you have working knowledge of SQL and Python The Interview Process: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! • Recruiter call, • Initial call with the hiring manager, • Final loop of interviews meeting the team Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com What’s in it for you: ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits_ #LI-REMOTE #LI-NJ1 Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our , 2024 and 2024 _ We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

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