Job Description
About Monzo
We’re on a mission to make money work for everyone, improving the banking experience for millions across the UK. We offer a range of personal and business accounts, cards, savings, investment and pension services.
Capital, Impairments & Forecasting Team
This team sits between Borrowing and Finance, managing IFRS 9 ECL, credit‑risk capital and ICAAP models. We collaborate with credit teams, portfolio strategy, model validation, finance and external audit to protect and grow the portfolio.
Tools and Technologies
- Google Cloud Platform – analytics infrastructure
- dbt and BigQuery SQL – data modelling and warehousing
- Python – data science and predictive modelling, model implementation
Day‑to‑Day Responsibilities
- Develop and maintain IFRS 9 models (PD, EAD, LGD)
- Create post‑model adjustments and overlays as needed
- Implement new models and enhance econo...