Credit Model Validation Manager

Lead hands-on independent validation of credit decisioning models across Monzo's lending products, including machine learning, decision science scorecards, origination PD models and NPV/unit economics models. Oversee validation of broader credit risk models (IFRS9, stress testing, economic scenarios), develop deep understanding of Monzo’s credit models, provide impactful challenge to model developers, oversee model performance monitoring, and contribute to the Model Risk Framework. Prepare clear validation reports for committees, collaborate with first-line risk and modelling teams, and embrace AI/tools to enhance validation. The role supports a London or UK-remote setup (distributed within the UK) and requires strong SQL/Python skills, data-driven analysis, and excellent communication to explain technical concepts to non-experts.