Remote
UK
£80K–£95K GBP
⚖️Legal & Compliance
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🚀 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 ❤️
📍Dublin | 💶 €121,000 - €163,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨
Monzo is building a bank for Europe, and lending sits at the heart of that plan. The Head of Credit Risk Oversight is a senior risk leadership role in the Second Line of Defence (2nd LoD), shaping how Monzo Bank Europe lends as it scales across the continent. You'll join early enough to set the standard, and stay to see it grow with the portfolio. Roles like this don't come along often.
You'll lead the oversight of Monzo Bank Europe’s whole lending business. That means driving our Credit Risk Framework, defining the risk appetite, challenging and shaping our credit strategy, and overseeing how the business executes it within that appetite, right across the credit lifecycle. You'll spot the risks inthe portfolio before they show up in the numbers, so Monzo Bank Europe can grow fast and keep growing.
You'll also lead our credit risk analytics and measurement. You'll direct the development of our IFRS 9 expected credit loss models, make sure our impairment provisions hold up, and turn portfolio data into insight the business acts on. You'll do that with modern methods and technology, including artificial intelligence, and set the standard for how we use and control them.
This role reports to the Director of Credit Risk, Monzo Bank Europe.
Important: The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards 2018 issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework and will be required to take reasonable steps to ensure that the relevant conduct standards are met.
💰 A salary range of €121,000 - €163,000 + Incentive Awards tied to your performance.
📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week. You will also travel to Monzo’s head office in London from time to time.
⏰ 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.
🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)
📚€1,200 learning budget each year to use on books, training courses and conferences.
🏥 Private healthcare scheme
💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%
💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling
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.
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-MOS1
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 😊
EUR 121,000 - 163,000
Annually
Health Insurance
Employee Assistance Program
Mental Health Benefits
Fitness Stipend
Wellness Programs
Life Insurance
Performance Bonus
Stock Options
Commuter Benefits
401(k) / Retirement Plan
Flexible Schedule
PTO / Vacation
Paid Holidays
Sabbatical
Company Equipment
Parental Leave
Fertility Benefits
Learning & Development Budget
Conference Attendance
Book Stipend
Defined Career Pathways
Team Events & Social Budget
Free Snacks & Drinks
Employee Resource Groups
No. Monzo's senior backend engineering posting says there is no mandated requirement on office attendance, even for engineers who live nearby, though the company values meeting in person. If you live outside London and are asked to come in, Monzo supports you with the costs. The offices are most social on Tuesdays, Wednesdays and Thursdays.
Remote roles at Monzo are UK-only. Most UK postings are listed as "Cardiff, London or Remote (UK)", and its engineering posting says engineers live everywhere in the UK, from Brighton to the Western Isles. Roles in Barcelona, Madrid and Dublin are office-located, and visa sponsorship is available for certain roles.
Monzo says it trusts people to work enough hours to do the job well, at times that suit them and their team. Customer operations roles are the exception and work set shifts. Engineering keeps meetings within core hours, and Monzo says it will make part-time working happen whenever it can.
Monzo offers 26 days' holiday plus bank holidays, or 34 days if you opt out of bank holidays. Everyone can also take 1 month of unpaid leave every year, and there are 8 weeks of paid sabbatical leave after every 5 years of service. Compassionate leave is 10 days as standard, with grief counselling.
Primary caregivers get 26 weeks at full pay, then 13 weeks at statutory maternity pay and 13 weeks unpaid, after 13 weeks of service. Secondary caregivers get 13 weeks at full pay plus 39 weeks unpaid. Monzo also offers up to 12 weeks of paid neonatal leave, up to 8 days of paid fertility treatment leave a year, up to 10 days of additional paid leave for pregnancy loss, and fertility and family-forming health education.
Salaries are reviewed every year, and an Incentive Award tied to performance can be paid as cash, equity or a mix. Monzo contributes 4% of base salary to your pension and matches additional contributions up to a maximum of 6%. Each employee gets a learning budget of 1,000 pounds a year for books, training courses and conferences, and at least one engineering posting publishes its salary range alongside the role's level. Monzo is also an accredited Living Wage employer.
401(k) Match
Sick Days
Bereavement Leave
