204 Risk jobs

DESCRIPTION Join one of Europe’s leading Fintech startups At iwoca we believe finance should make life easier, not harder, for small businesses. When small businesses go to traditional lenders they are forced to deal with long waits, absurdly rigid criteria, and impersonal bureaucracies. We believe small businesses deserve a financing service that strips out the hassle; that gets to know each customer’s needs; that generates opportunities instead of problems. iwoca is finance, custom-built to expand possibilities for small business. Your mission will be: Application of statistical modelling and machine learning techniques. Delivery of data driven solutions and predictions for a diverse range of business problems, including risk assessment and contact prioritisation. Development of real-time data pipelining and delivery of ML predictions. A/B testing and data analysis using statistical methods to generate insights and optimise existing and future business processes. Multi-disciplinary projects with the wider tech team and business stakeholders. REQUIREMENTS We look for people that are smart, humble, motivated and who are always looking to improve. Ideally, you’ll have: Strong analytical background, e.g PhD or degree in Mathematics, Physics, Engineering, Computer Science or related field; or equivalent knowledge. Established experience from working in industry or an academic data analyst/scientist position. Experience with statistical data analysis, ability to generate well founded insights from potentially unstructured data. Proven practical experience of predictive modelling and pragmatic implementation of machine learning techniques to effectively solve real-world problems. Someone that isn't satisfied with just applying out-of-the-box models, you want to know how they work, when they work and why they work. Practical object-oriented programming experience: Python, Java, C/C++ or similar. Experience with some of the common Python data-science toolkits: Pandas, NumPy, SciPy, Scikit-learn OR experience with R, Matlab, and/or SQL would also be beneficial. Self-starter with ability to work autonomously in a relatively unconstrained environment. A healthy skepticism and desire to build innovative, but practical, solutions to business problems. Love for coding and getting hands-on with the raw data to really understand the underlying processes and nuances of the problem. Salary: Competitive Location : London Open Date: 17th May 2019 Closing Date : 16th June 2019 BENEFITS In return, you’ll get a say in how things are done, the opportunity to make a difference to small business owners, and to work on big and challenging projects. What’s life like as an iwocan? We all enjoy: A lovely office in central London, right by Tottenham Court Road Two company retreats a year (in places like the French Alps or Spanish seaside) Pool, ping pong, foosball tables and tournaments and yoga An ever-growing number of clubs including climbing, chess, football and boxing Plenty of drinks and snacks in our office kitchen A paid volunteering day each year, for you to support your chosen charity Just for you: Medical insurance from Vitality, including discounted gym membership Stock options Enhanced maternity and shared parental leave A workplace nursery tax benefit scheme 25 days holiday per year and an extra day off on your birthday Extra leave if you want to travel or study Special celebrations for anniversaries and long service including sabbatical Flexible working Cycle-to-work scheme And to make sure we all keep learning, we offer: Tickets to tech conferences across Europe Company-wide talks with internal and external speakers A calendar of meetups we host at our office Access to learning platforms like Treehouse if you want to learn to code

DESCRIPTION iwoca is breaking down the barriers that stop Europe’s 20 million small businesses from accessing finance. Traditional bank loans have slow application processes, inflexible terms and burdensome criteria. In contrast, we use cutting-edge technology to offer flexible access to credit with a five minute application process and a decision in hours. Since 2012, we've lent over £800 million to over 30,000 businesses across Europe. Our customers include everything from cafés to car dealers, salons to solicitors. Along the way we have built a sophisticated technology platform, won numerous awards and grown a fun, and vibrant team. However, we’re still near the start of our journey – our aim is to finance a million small businesses within a decade and so we need more smart, hands-on people to help us reach this goal. Now we're looking for experienced Credit Analysts who can help us make even better lending decisions whilst supporting our rapid growth. The role: Our team of Credit Analysts are responsible for making lending decisions for each of the small businesses that approach iwoca. Your mission will be to: Evaluate credit applications – using our cutting-edge tech platform, you will be analysing data from financial statements, credit reference agencies, application forms and other third party sources to arrive at fast, fair, and accurate decisions. Analyse credit data, financial statements and other data sources to determine the level of risk involved in lending. Conduct thorough due diligence to ensure affordability of credit in line with internal policy. Understand and accurately capture the specific revenue and risk drivers for SMEs. Be responsible for making lending decisions independently. Be actively involved in improving the decision making framework, through developments to our systems and processes. Communicate effectively with our Onboarding and Account Management teams to ensure customer needs are met at all times - Account Managers act as “customer champions” and you’ll work with them to ensure we do our best to meet our customer’s needs and offer a fast, slick service. Work closely with the Tech and Analytics team to improve systems and our scorecard to enable us to make better, faster and fairer decisions. Guide junior credit analysts in their credit decisions and support their goals and targets REQUIREMENTS We look for people that are smart, humble, motivated and who are always looking to improve. Ideally, you’ll have: Experience in commercial loan underwriting, credit sanctioning or credit analysis, preferably within the SME sector or alternative lending. Strong business acumen and a working understanding of what makes a good business good, so you can quickly identify the key drivers behind an application. A good understanding of how businesses operate, including their main risk and revenue drivers. The ability to interpret financial statements and an understanding of the key risk drivers specific to SMEs. An analytical mindset with a practical approach to problem solving. A confident and enthusiastic attitude that works well in a regularly changing and fast paced environment. Excellent communication skills. You will have direct telephone contact with loan applicants to extract additional information so need a friendly telephone manner. The ability to come up with innovative and scalable solutions to day-to-day problems and suggest changes to processes to improve our efficiency. BENEFITS What’s life like as an iwocan? We all enjoy: A lovely office in central London, right by Tottenham Court Road Two company retreats a year (in places like the French Alps or Spanish seaside) Pool, ping pong, foosball tables and tournaments and yoga An ever-growing number of clubs including climbing, chess, football and boxing Plenty of drinks and snacks in our office kitchen A paid volunteering day each year, for you to support your chosen charity Just for you: Medical insurance from Vitality, including discounted gym membership Stock options Enhanced maternity and shared parental leave A workplace nursery tax benefit scheme 25 days holiday per year and an extra day off on your birthday Extra leave if you want to travel or study Special celebrations for anniversaries and long service including sabbatical Flexible working Cycle-to-work scheme And to make sure we all keep learning, we offer: Tickets to tech conferences across Europe Company-wide talks with internal and external speakers A calendar of meetups we host at our office Access to learning platforms like Treehouse if you want to learn to code.

Monzo is a bank that lives on your phone. Our mission is to  make money work for everyone : to make our customers effortlessly financially savvy with smart features, unexpectedly friendly service, and a relentless focus on what people genuinely want and need. Our net promoter score of +80 is more than 2x that of other banks, and we are the fastest-growing bank in the UK. Monzo resembles a fast-paced tech startup  – we move fast, ship things every day, and develop products iteratively. We are also very serious about the safety of our customers’ money and their trust in us, and we believe this starts with our culture. We  default to transparency  both internally and externally, and we involve our  community  in everything we do. We prize a diverse team as a strength: everyone is welcome at Monzo and is encouraged to do the best work of their lives. We’re planning to launch in the US in the next few months , and we’re looking for a business-savvy, collaborative and experienced compliance and risk management leader to help us build a product to revolutionize banking for millions of Americans, and to be one of the first members of Monzo’s team based in the US. We have ambitions to revolutionize banking in the US, but to do so we need to ensure we can  move quickly but safely . We need to ensure we’re compliant with local rules and regulations, and that we manage our risks properly. You will be responsible for pragmatic risk management, compliance monitoring, and governance oversight of the US business. You will report to our global Chief Risk Officer (who is based in the UK), but you’ll be an integral part of the team we are building in the US. Your responsibilities: • Develop processes for risk management and governance in the US You will be responsible for deploying our risk management framework and governance structure in the US, making changes as necessary to account for local differences. • Track and monitor the US business You will monitor a range of metrics from platform uptime to the number of customer complaints to ensure that the US business is operating within our risk appetite. You will collaborate with our UK teams to report these items as required. • Manage the risk governance forum for the region Our US team will need to meet regularly to discuss risks, controls, regulatory issues and focus areas. You will manage this meeting and ensure the right information is made available, with support from our UK Risk team. • Provide challenge and guidance You will leverage your industry experience to provide challenge and guidance to our US team, ensuring they limit and manage the business’s risks as we scale up. • Compliance monitoring and assessments You will work with the Legal and Regulatory teams to conduct reviews to confirm that our teams are adhering to the regulatory requirements and following our internal policies and procedures. You are likely to also perform reviews driven by incidents or events that we need to learn from in a structured way. • Manage independent reviews and audits  We are required to carry out independent external reviews and audits from time to time, and you will commission and work with these third parties. • Ensure that identified risks and mitigated and effectively controlled In such a fast-moving business you’ll need to keep your eyes on the ball, ensuring that risk and compliance issues are rapidly identified and resolved. • Oversee the risk management of our supplier relationships Our US operating model is reliant on several key suppliers, and on an ongoing basis we will need to both look at their risk management performance and be prepared to be looked at by them at our performance, you need to be able to balance these potentially tricky risk relationships.   You should apply if: • You’re business-savvy, a strategic thinker, and a keen problem solver who knows how to quickly assess risk and recommend a risk-based solution in a fast moving business. You are not afraid to roll up your sleeves to get things done. • You have an ability to sense when something is not quite right and needs attention. • You have extensive experience operating at a senior level, can communicate with clarity and purpose, and provide relevant advice to the business while remaining independent of it. • You have experience of working in regulated financial services or payments companies in the US, and can demonstrate in your application how your experience has prepared you for working at a fast-paced technology business. Ideally you have experience managing compliance and risk in consumer payments and retail banking products. Applicants with a range of experiences, and not just traditional banking roles, are strongly encouraged to apply. • You have expertise in CFPB prepaid, BSA and AML, Reg E and GLBA. However, regardless of which specific areas of expertise you have worked in you should be comfortable working in unfamiliar fields and learning new things. • You’re passionate about technology and in particular financial technology, and what we are doing here at Monzo excites you. You think that banking in the US needs to fundamentally change and you want to be at the forefront of that revolution. You are excited about the prospect of helping build Monzo in the US and are happy to contribute to the growth of the wider business.

Knoma is an early stage startup backed by a large European VC. We offer a payment solution and marketplace for lifelong learning with the aim of tackling the digital skills gap.  We are looking for an experienced credit underwriter, who can become an instrumental part of the team. As a Credit Risk Manager you would oversee development of the logic and the systems associated with working out who we lend to and how much we lend, and then how we collect that money back. Responsibilities All underwriting (including redecisioning) along with any decision science work needed to build and deploy decisioning models and logic. Credit limit assignment activity and credit limit increase/credit limit decrease programs Setting and monitoring the credit risk control framework (e.g. early warning indicators, risk appetite etc.). Provisioning, write offs and management of our P&L credit loss line Ensuring we lend in a compliant and consumer centric way Competences & Characteristics Knoma would love you to apply if you have a deep understanding of managing consumer credit risk. You should understand all aspects of the credit lifecycle from decision science and underwriting through portfolio management, including collections and provisioning and all of the regulations that apply. You should be comfortable using data and analytics to optimise across all of these stages. In particular, you should have experience of the following within a consumer lending environment: Credit underwriting Collections strategy design and management Decision system management and development Data Science (regression modelling and machine learning) Portfolio optimisation, including redecisioning and credit limit strategy management Credit reference agency data and products (including reporting back and negotiating commercials) Customer Lifetime Value (CLV) modelling/Net Present Value (NPV) modelling/unit economic Capital allocation and P&L income and losses modelling and stress testing A/B test design and statistical significance You should apply if :  Ideally Knoma is seeking someone from the FinTech space, who has experience in working with early stage financial startups.  You’re a real expert in consumer credit risk management and understand the detail behind how to optimise all of the various components that make lending products profitable You have a solid understanding of how lending products work to generate profit including experience of building and using tools like Customer Lifetime Value and/or Net Present Value modelling and how income and losses are recognised on the P&L You have a deep understanding for credit risk measurement and control frameworks and are able to set these up from scratch using first principle thinking You’re self-motivated, highly organised and focussed on impact You’re happy taking an MVP approach and doing what’s good enough for now You’re excited about the future of finance and the importance of lifelong learning You’re able to build strong, mutually respectful relationships with diverse teams Salary competitive! If interested please send your CV over to support@knoma.io

Protect GoCardless from financial and reputational risk by conducting moderate to complex risk analysis, fraud investigations and underwriting account applications. About GC Since GoCardless was set up in 2011, we have been focused on taking the pain out of getting paid so that our customers can focus on what they do best. We already process over £7bn each year for thousands of businesses, and we are growing fast. We work with a huge range of organisations: small gyms and scout groups use us to reduce admin; fast-growing companies like Funding Circle use us to power their growth; established companies like TripAdvisor use us to dramatically reduce failure rates. We’ve been spending the last year expanding our offering outside of UK and Europe and are now operating 7 different payment schemes (and will be adding the US early next year) and serving merchants in over 30 countries, with offices in Melbourne, Paris, Munich and of course, London (our HQ). We’re backed by some of the world’s leading investors including Balderton Capital, Accel Partners, Notion Capital, Passion Capital and Y Combinator. About the team Every day you’re working as part of a small, close-knit risk team, conducting moderate to complex risk analysis, fraud investigations and underwriting account applications, while ensuring compliance with onboarding guidelines/policies, in order to protect GoCardless from financial and reputational risk. About the role Minimising fraud losses by resolving risk alerts based on data analysis through following GoCardless Risk policies and processes Delivering high levels of customer satisfaction to internal and external stakeholders whilst resolving risk related queries Performing underwriting activities for high-risk merchants applications and communicate decisions clearly and concisely to both internal and external stakeholders Developing monitoring programmes for high-risk merchants to reduce financial exposure Building and maintaining relationships with Sales, Business Intelligence, Compliance, Legal and Support teams to ensure timely resolution to cross-functional issues Maintaining fraud analysis models to improve efficiency and effectiveness You’ll act as a risk advocate in order to reduce the risk exposure of GoCardless. You will be reviewing and resolving risk alerts to reduce losses, responding to merchant /internal stakeholder requests related to risk matters, providing data insight to help with decision making... What we're looking for You are curious about the fraud trends and about researching/finding technical solutions based on patterns/issues You are easily dissatisfied with how things are run - you frequently feel the urge to act when someone tells you “this is how we’ve always done it” You have a tremendous sense of urgency tempered by the ability to keep calm under pressure Data production and manipulation is the base for everything you do - you are an expert in Excel and in SQL or Looker You have a proven record of improving internal processes, demonstrated by cost reduction and better customer experience You are a great team player, who has attention to detail and can perform tasks with accuracy You have the ability to read and interpret credit bureau reports and analyse corporate financial statements. Benefits Generous holiday allowance Private health insurance Private pension scheme Flexible working hours Generous maternity & paternity leave Training budget for your personal dev Breakfast, drinks and snacks Company lunch every month Volunteer time Yoga, football and basketball Plus many more Our team comes from a variety of backgrounds and we welcome diversity – if you're unsure, please apply.

Deputy MLRO GoCardless processes billions in payments each year. Tens of thousands of businesses across the UK and beyond rely on us to handle their payments, and hundreds more sign up every week. As we look to the future, those businesses will be larger, more demanding, and present in multiple countries - and so will we. We are responsible for ensuring that our products and services do not facilitate money laundering or terrorism financing, and that we fulfil our obligations to our regulators and partners, such as our banking partners, all whilst providing the best possible experience for our merchants, and enabling our business to scale. The Legal and Compliance team are at the forefront of GoCardless’ expansion - both domestically and abroad, and must ensure that GoCardless adopts, implements and maintains innovative and appropriate processes and controls. We are looking for a Deputy MLRO to ensure effective Anti-Money Laundering / Counter Terrorism Financing (AML/CTF) systems and controls are in place at a cutting-edge, dynamic and high-growth fintech company. The role You will be responsible for helping to set the money laundering agenda within GoCardless. You will take a consultative approach and work closely with every business division to implement and manage a comprehensive and proportionate to the nature, scale and complexity, AML/CTF framework. Some of the main elements of the role will involve: Ensuring that GoCardless remains up to date with relevant regulatory developments Carrying out a regular ML/TF risk assessment of GoCardless’ business Coordinating the implementation of standards, policies and guidance, and ensuring these are being communicated effectively to all relevant staff Advising our Compliance Operations team on the development and maintenance of AML/CTF procedures to ensure we stay true to our policies Identifying deficiencies in policies, procedures, systems or controls relating to ML/TF and implementing remedial actions to address such deficiencies Reviewing potential / existing high risk relationships and transactions Determining whether or not suspicious activity reports have substance and require disclosure to the relevant authorities Conducting an annual assessment of training and awareness needs, and implementing, together with the MLRO, an effective company-wide training programme Conducting regular monitoring, testing and reporting on the effectiveness of the AML/CTF programme, including system and tools, and day to day operations Preparing regular management information reports for distribution to the MLRO and Senior Management Lead GoCardless’ review of and response to relevant regulator and industry body consultations Supporting the MLRO in meetings with external auditors and regulators Deputise for the MLRO in their absence What we're looking for We’re looking for someone with relevant experience in a regulated financial institution, and who is passionate about moving to a fast-paced fintech startup. You will be driven and able to work independently, while taking a consultative approach in an area that can be seen as inhibitive to business. You are an experienced AML professional, looking to shape the AML/CTF function at a growing company. We’d love to hear from you if: You can say how new regulations coming into play will impact the business’ products and expansion plans You’ve operated in an environment with multiple regulatory requirements You have experience in drafting, implementing and rolling out AML/CTF frameworks and policies You’re constantly driving for improvement, efficiency and risk management Your risk radar is finely tuned and you work tirelessly to mitigate identified risks Your communication skills are first class, and you are able to distil complex and cumbersome regulation into understandable English You are easy to work with, and want to work in a fun, fast-growing but demanding young company Bonus points if: You’ve supported assessing  and implementing regulatory requirements across multiple geographies You’ve designed/maintained AML/CTF processes and procedures You’ve in depth knowledge of non-UK regulatory requirements You’ve overseen the validation of AML/CTF tools/scenarios (design and performance) You’ve been responsible for overseeing KYC/sanctions checks and/or conducted investigations You have relevant professional qualifications (e.g. ACAMS or ICA AML qualifications)

At Monzo, we're building a bank that is fair, transparent and delightful to use. We’re growing extremely quickly, with over 1.7 million customers in the UK and over 100,000 new people joining every month. We’re looking for a pragmatic, collaborative and ambitious Technology Risk Analyst to join our second line of defence Risk team. Your role will focus on helping us understand and manage the risks arising from our use of technology. This will include areas such as the way we develop products, use cloud technology, operate our platform, integrate with third parties or respond and recover from incidents. You’ll be a part of a multi-disciplinary team to deliver effective risk management at Monzo and work closely with other risk professionals, as well as teams across the bank. We’re looking for someone who cares deeply about understanding our business, customers and risks and can communicate and drive actions.  You’ll spend your time: Partnering with teams to help develop new products and features by embedding good risk practices Conducting in-depth reviews to assess risks and controls Analysing and improving the resilience of our services and platform Helping implement and operate Monzo’s risk management framework Making risk meaningful and relevant to everyone at Monzo, and sharing best practice in clear easy to understand language Supporting our new risk leadership team and contributing to key high-impact projects Following up on incidents and collaborating with teams to find solutions You should apply if: You are early in your risk career with an appetite to learn You are passionate about technology, and what we are doing here at Monzo excites you! You have experience performing risk and control gap assessments in financial or technology environments You can provide effective challenge whilst building strong, respectful relationships You are hands-on, great at execution, and care about the day-to-day detail You are great at asking incisive questions to pick things up and act on them quickly You are comfortable working in a fast paced environment where the day to day job differs  Logistics : The application process consists of a short phone interview, followed by a task and technical screening, then a couple of on-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to make sure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. We offer a competitive salary plus  stock options and lots of other benefits.

We’re looking for an Operational Risk Specialist to join our second line of defence providing support to core elements of the risk management framework. Like any other regulated bank, we need to make sure we’re compliant, but we want to do so whilst continuing with our agile “test and learn” approach to launching products. Unlike traditional banks operational risks are more significant than credit risk at this point and we need to build out the team. We’re looking for someone with operational risk experience who is also pragmatic and understands fintech.  Do you have core competencies in Conduct, Operational Resilience, Outsourcing or Assurance in addition to generalist operational risk experience? We want to hear from you. Monzo has been growing rapidly over the last year, and we are just getting started! You’ll spend your time: Leading and supporting key aspects of the implementation and operation of Monzo’s risk management framework Supporting our new risk leadership team to work on key projects that have an impact across business Partnering with teams to help develop new products and features by embedding good risk practices Following up on incidents that happen at Monzo and partnering with teams to find solutions, identify risks and controls and conduct in-depth reviews of different areas of the business Working within Conduct, Assurance, Outsourcing or Operational Resilience depending on your specialism Reviewing and assessing how customers behave, new product rollouts, or changes to operational processes impact our company risk profile Making risk meaningful and relevant to everyone at Monzo, and sharing best practice whilst adapting the language you use to speak about risk so that it is easy for everyone to understand You should apply if: You have developed in-depth experience in one or more core risk area You have worked in the banking, retail, consultancy or/and technology environment Confident in leading implementation of risk core elements and provide risk leadership Experience performing risk assessments and control gap assessments in financial or technology environments You’re great at providing effective challenge whilst building strong, respectful relationships You are hands-on, great at execution, and care about the day-to-day detail. You’re curious and collaborative - you’re great at asking incisive questions to pick things up and act on them quickly You’re comfortable working in a fast paced environment there the day to day job differs You’re passionate about technology, and what we are doing here at Monzo excites you! At Monzo, we believe there’s a better way to do banking We really care about providing a phenomenal experience for our customers, and we want to be the best possible bank without getting stuck in the old ways of doing things, or trying to duplicate risk management frameworks seen in other banks.  We’re at the start of our journey to serve a billion customers We’ve made some good progress so far! We now have more than 700 staff, over a million and half of lovely customers and a full UK banking licence. We have a current account and overdraft, and lots more services are planned. Logistics This role is based at our office in London. Our interview process consists of a 15 minute phone interview, a take-home task, a technical call, and a half-day on-site interview. Questions about this role? Head over to our careers page to read our FAQs (www.monzo.com/careers) or email  core-hiring@monzo.com  

At Monzo, we're building a bank that is fair, transparent and delightful to use. We’re growing extremely quickly, with over 1.8 million customers in the UK and over 100,000 new people joining every month. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. Internally we have low attrition, high engagement and a strong sense of community that we want to maintain as we scale. We’re looking for ambitious Penetration Testers / Red Teamers to join our security assurance function and help build out our red team capability. Security is a priority for Monzo, and we want our systems, processes, and defensive security team constantly tested against relevant and emerging threats, and our security program focused on addressing real security issues. We don’t want attacks and vulnerabilities to be theoretical, we want to understand if they really work or not against our infrastructure and people, and we want our security teams to be comfortable with responding and remediating realistic attacks. Our goal is to improve our cyber resilience and gain confidence in the effectiveness of our security controls. You'll spend your time: In this role you’ll be working closely with internal stakeholders to deliver the full lifecycle of security and assurance testing.  Emulating relevant threat actors using realistic tactics and tools across technical, physical, and social vectors on multiple systems including mobile, web application, and cloud. Become a specialist in Monzo infrastructure and systems. The superpower of this team will be that they will have intimate knowledge of how our systems and processes work, enabling them to test things which regular pen tests would rarely touch. Maintain an intimate familiarity with the threat landscape and developments in attacker tactics and tools. Design and scope tests, working closely with other teams to understand and mitigate risks whilst ensuring we maintain maximum value from any testing. Deliver red/purple tests, liaising closely with internal security teams and product teams. Work closely with Monzo colleagues to help resolve discovered problems. Develop a strong network of contacts across the sector to share best practice and learn from peers. Build and develop tooling to assist with our work, potentially contributing these to the security community. Help embed a culture of security across Monzo. You should apply if: What we’re doing here at Monzo excites you! You believe in the value that offensive security can bring to improving the security of an organisation, and particularly red/purple teaming. You want to develop effective and pragmatic security solutions. You have an engaging, inventive, and inquisitive personality. You can manage multiple stakeholders and build strong relationships. You’re comfortable working closely with deep technical specialists, whilst also being able to explain complex security issues in simple terms when needed. You’re not interested in breaking something only to prove a point. You own problems and work hard to find pragmatic solutions. Nice to haves Experience in performing red/purple team engagements within financial services, such as CBEST. Incident response training and/or experience. Fluency with the current threats and tactics that the financial sector faces. An understanding of forensics, and specifically its role within threat hunting. Logistics: The application process is different depending on the level of candidate, but will possibly consist of a short phone interview, followed by a task and a couple of on-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to make sure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. We offer a competitive salary plus stock options and lots of other benefits.

We’re looking for a practical, collaborative and experienced internal audit professional to play a critical role in helping Monzo achieve its objectives through oversight of the 2019 internal audit plan delivery and by forming and implementing a strategy for developing our internal audit capabilities, in line with the needs of our rapidly evolving and growing business.   At Monzo, we believe there’s a better way to do banking We really care about providing a phenomenal experience for our customers, and we want to be the best possible bank without getting stuck in the old ways of doing things, or trying to duplicate internal audit frameworks seen in other banks. We’re at the start of our journey to serve a billion customers We’ve made some good progress so far! We now have more than 700 staff, over  1.5 million lovely customers and a full UK banking licence. We have a current account and overdraft, and lots more planned. You’ll be responsible for: You will be responsible for Monzo’s Internal Audit function. There will be two main parts to your role: Ensure that we successfully carry out the planned Audits set out in the Internal Audit plan (and agreed by the Board’s Audit Committee), and that the audits and reviews carried out offer real challenge, insight and oversight of the business. Design and implement the strategy for Internal Audit at Monzo to ensure that the function is able to keep pace with a rapidly growing and evolving business. Day to day you should expect your role to involve: Currently we work with a global Audit firm who leads the majority of our Internal Audit work and a range of smaller, more specialised firms (e.g. penetration testers). Managing these suppliers will be a core part of your role. Reviewing drafts of Internal Audit reports and findings Assisting the teams carrying out audits to identify the correct stakeholders Writing and reviewing Audit scopes to ensure that reviews are addressing the highest risk areas of the business Working with the 1st and 2nd line teams to agree follow-up remediation actions to address findings from Audits Tracking actions through to completion and following up where items are approaching or beyond their due dates Giving informal advice and guidance to internal teams and stakeholders Presenting internal audit documents to the Board's Audit Committee and other governance forums   You should apply if: You have experience leading and developing an internal audit function You’re great at providing effective challenge whilst building strong, respectful relationships You will be dynamic, forward-thinking with a clear focus on business improvement You are hands-on, great at execution, and care about the day-to-day detail. You’re curious, collaborative and great at asking incisive questions You’re comfortable looking at data that is presented in different ways and may not conform to banking norms You’re great at communication with people from all different backgrounds and you can build relationships really easily. You’re passionate about technology, and what we are doing here at Monzo excites you! Logistics The application process consists of: CV and application review Short phone interview Take-home tasks On-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to make sure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. Competitive salary (taking into account experience and any specialism) plus  stock options  and lots of  other benefits .

At Monzo, we want to make money work for everyone. As we grow in customers, product lines and countries, we want are looking for people to help ensure that we are always building to handle scale and are resilient. As a Governance and Resilience Manager, you will identify and manage risks across the company and be a trusted partner to business leads, product managers, engineers and our award winning customer service teams. They will turn to you for guidance on how to ensure we are not only compliant with regulations, but fostering a culture of rigorous thinking and careful controls that distinguish us in both banking and technology. This role would offer you the opportunity to get to know different parts of the business and make you a trusted advisor to our leadership team and our Board. To succeed, you should be able to navigate the regulatory landscape, use data to shape your thinking and collaborate to build something bigger than yourself. You will be asked to weigh in on foundational questions about the sort of company that we grow to become, while meeting’s today’s needs. We'd want you to apply if you are underwhelmed by the status quo of banking and finance today and are interested in bringing your critical mind and grit to creating a better alternative. You should apply if you: Are excited about helping Monzo scale in a compliant, thoughtful and controlled way Would like to immerse yourself in parts of our work that deal with considerable complexity so that we can keep our product simple - e.g. technology infrastructure, lending decision science and customer operations Are able to meet people where they are at and become a bridge between internal teams and represent Monzo before auditors, regulators and our board. Are excited by the challenge of creating a culture of intellectual rigour. Have excellent project management and organisational skills. At least 3 years of relevant experience The following experience would be valued: Work in risk, compliance, regulatory or governance in a financial firm; as an auditor; a regulator or in another highly regulated industry. An understanding of the requirements of SMF roles. Work in a start-up environment or a technology company Setting up policies and procedures and leading on policy reviews and assurance A legal background Above all, we are looking for people that are humble but excited by what we are doing at Monzo.

VP Credit Risk at Monzo  (View all jobs) Here at Monzo we’re at a tipping point: We’re now the fastest growing bank in the UK (in # of new users, as well as % terms) - adding over 100k new users each month. We’re rated by Which as the  best bank in the UK In the last few months we’ve reached break-even unit economics (every additional user adds additional profitability, albeit we still have ~£30m of fixed costs we have to cover) We just finished raising an additional £105m of capital (at a £1Bn pre-money valuation). At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and we execute quickly. We’re looking to revolutionise the way consumers manage their finances by putting them in control and promoting their financial wellbeing. As part of that effort we are developing lending products that genuinely feel good and are looking for highly intelligent and creative individuals to help us on our journey. The Role At Monzo we are split teams into highly autonomous multi-functional ‘squads’ - each empowered and equipped to tackle a specific problem for our users. As Director/VP of Credit Risk you would oversee development of the logic and the systems associated with working out who we lend to and how much we lend, and then how we collect that money back. You would be responsible for: All underwriting (including redecisioning) along with any decision science work needed to build and deploy decisioning models and logic. Credit limit assignment activity and credit limit increase/credit limit decrease programs Setting and monitoring the credit risk control framework (e.g. early warning indicators, risk appetite etc.). Provisioning, write offs and management of our P&L credit loss line Ensuring we lend in a compliant and consumer centric way Ultimately you would be responsible for ensuring that we understand and manage the credit risk we’re taking, and that we do so in a way which continues to support our rapid growth ambitions. Achieving this control vs growth balance is likely to require substantial first principles thinking and challenging existing ways of doing things. Additionally you would manage all of the Decision Scientists and Credit/data analysts within the Lending team. You would create hiring plans, establish progression frameworks for development to ensure that we are hiring and retaining world-class analysts at the right rate to match our growth plans. You would oversee the quality of the analysts work, ensure the analysts in the various squads are adopting best practices and sharing knowledge effectively - and would ultimately be responsible for the quality and speed of all analytical output within Lending. The Candidate We’d love you to apply if you have a deep understanding of managing consumer credit risk. You should understand all aspects of the credit lifecycle from decision science and underwriting through portfolio management, including collections and provisioning and all of the regulations that apply. You should understand and have developed decision systems, have a great knowledge of credit reference agency products and data (including reporting back) and should have experience of setting and reporting against credit control frameworks including building and operating IFRS9 compliant provisioning models. Experience of doing the above on personal current accounts, unsecured personal loans and credit cards is preferred. You should be comfortable using data and analytics to optimise across all of these stages. In particular, you should have experience of the following within a consumer lending environment: Credit underwriting, Collections strategy design and management, Decision system management and development, Data Science (regression modelling and machine learning), Portfolio optimisation, including redecisioning and credit limit strategy management, Credit reference agency data and products (including reporting back and negotiating commercials) Provisioning including IFRS9, Customer Lifetime Value (CLV) modelling/Net Present Value (NPV) modelling/unit economics, Capital allocation and P&L income and losses modelling and stress testing, A/B test design and statistical significance You’d be a good fit for the role if you’re comfortable working in a highly collaborative environment where ideas can come from all team members as well as balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes). The team operates in a highly agile manner, so it’s important that you’re able to identify and focus on what is necessary for the next milestone (rather than the perfect solution). Whilst you may not have been analytically ‘hands on’ over the last couple of years you should come from an analytical background and be comfortable ‘getting your hands dirty’ with pulling your own data and doing your own analytics where necessary. You'll spend your time: Working with the team to enhance our decisioning logic and systems Monitoring and communicating the level of credit risk we’re taking Communicating insights relating to our lending portfolio and gaining buy-in to strategy changes from stakeholders across the business, at all levels up to and including board level Liaising with colleagues from across the business to support them in achieving their goals (and get their support in achieving yours!) Hiring, managing, coaching and developing analysts within the Lending team Ensuring we build our products in a compliant and customer-centric way You should apply if: You’re a real expert in consumer credit risk management and understand the detail behind how to optimise all of the various components that make lending products profitable You have a solid understanding of how lending products work to generate profit including experience of building and using tools like Customer Lifetime Value and/or Net Present Value modelling and how income and losses are recognised on the P&L. You have a deep understanding for credit risk measurement and control frameworks and are able to set these up from scratch using first principle thinking You’re self-motivated, highly organised and focussed on impact You’re comfortable with ambiguity and can think from first principles You’re happy taking an MVP approach and doing what’s good enough for now You have strong analytical skills (previous experience of SQL is a must, R, Python, SAS, VBA and similar are a plus) You’re excited about the future of banking and want to work with us to shape it You’re able to build strong, mutually respectful relationships with diverse teams Logistics The application process consists of a short phone interview, followed by a practical written exercise with a follow up call, and a couple of on-site interviews at our office in London.  We'll kick off reviewing applications for this role in early-mid January We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can – whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. Competitive salary plus  stock options  and other benefits.

Responsibilities WorldRemit's Risk function are an expanding team due to the growth and future development of the business.  The team are   responsible   for   the   development   and   implementation   of   the   Enterprise   Risk Management framework.  The Group Risk Analyst will gain exposure to all areas of the business working closely with business and team leaders to ensure their risks are being identified and mitigated in line with company risk appetite and reporting on findings to senior management.   The role is hands on with maintaining and developing the risk management system; interpreting and analyzing risk data; helping embed the group risk framework and assists in promoting a risk aware culture within the business. The Group Risk Analyst reports to and keeps the Group Risk Director informed of existing and developing risks as well as those on the horizon.. Establishing controls and/or a trigger system for breaches of WorldRemit’s risk appetite or limits. Contribution to coordinating / running risk workshops, 1-1 sessions, trend analysis etc Horizon scanning for future potential regional risks which may have an impact on the company Keeping up to date with local regulatory changes within the remittances industry and key jurisdictions Reporting on risk items including but not limited to proposing appropriate risk-mitigating actions. Distributing risk management related communication, education, and awareness initiatives. Identifying material individual, aggregate, and emerging risks. To assist the BCM Team in developing and delivering viable business continuity programme that ensures adequate contingency plans are put into effect during the periods of disruption. To push global standardization of the BCM and Risk programmes. Support the Head of BCM in managing the development and maintenance of global business continuity plans in line with WorldRemit BCM Policies and local regulatory requirements Contribution to coordinating / running risk workshops and monthly BCM Coordinator meetings To provide timely management information on the readiness state of global business continuity plans when measured against the programme requirements Assessing these risks and measuring WorldRemit’s exposure to them. Creating , implementing and testing controls to ensure ongoing effectiveness to mitigate risks identified. Ongoing monitoring of the strategic decisions and risk exposures to ensure they are in line with the board-approved risk appetite and current policies and procedures. Assisting in the management of critical risk projects which have a strategic impact across the business Review risk issues for systemic problems and seek resolution. Escalate issues in line with the Risk Management Program and help manage the resolution of risk issues. Develop and compete reporting materials such as risk register, metrics for committee. Liaise closely with leaders of business units across the organisation to ensure robust communication and reporting of risk related practices. Assist in the coordination and support of risk related reviews, audits and examinations. Performing routine daily tasks—reviewing reports, preparing necessary correspondence, and participating in department projects. To support the Crisis Management programme by assisting the Risk Team and the WorldRemit Crisis Management Team;   Aiding in training associates on the Company’s risk policies and procedures. Carrying out any other tasks as may be requested from time to time.   Skills requirements   Key requirements:  - Ability to work closely with and manage key stakeholders across a fast-paced business - A strong sense of intuition and a 'can-do attitude' - The ability to listen in detail and understand and interpret the requirements of internal stakeholders - Holds a risk qualification or is willing to pursue one Strong risk management understanding and min 2-3 years previous experience in risk management or related discipline, such as actuarial, compliance or internal audit or risk assurance function. BA/BS or compensating experience in compliance. Team player adaptable to fast-paced and changing environment. Ability to manage tight processes with accuracy and attention to detail. Highly disciplined person, self-motivated, and delivery focused. Excellent communication skills both verbal and written. Strong organizational skills. Proficient in MS Office (Access, Excel, Word, PowerPoint and Visio).

CompareAsiaGroup  is the largest personal finance platform in Asia, helping more than 30mm people per year across 7 countries. We are a team of 200+ people in 7 countries aligned around a shared vision to empower people to build healthier financial lives. We do this by connecting people to the best content and products for their needs, life stage and risk profile. We are currently focused on the banking and insurance sectors in Hong Kong, Taiwan, Singapore, Indonesia, the Philippines, Malaysia and Thailand. Headquartered in Hong Kong, we have established relationships with more than 100 leading financial institutions across Asia. MoneyHero.com.hk  &  Creditgo.com.hk  helps consumers compare rates and services of banking and insurance products. It is part of CompareAsiaGroup, Asia’s leading financial empowerment platform for banking and insurance products. In 2017, CompareAsiaGroup and MoneyHero.com.hk closed a $50mm Series B, bringing our total fundraising to more than $90mm from investors including Goldman Sachs, the IFC (World Bank), Ace & Company, Alibaba & Jardine Pacific. Join one of the fastest growing, fintech businesses – CreditGo – Asia’s first free credit scoring platform that helps users understand their credit situation for free, for life and find out which financial products they are suitable for. This product is already getting attention across Hong Kong and Singapore, is rapidly growing and has exciting ambitions for the future. Your Task: The go-to person for insight and analytics for, credit scoring, risk modelling, eligibility models within the group Able to coach, mentor and build a team of experts in the credit scoring, risk modelling, eligibility modelling area of the business Able to communicate clearly and convey necessary information and be the subject matter expert across all levels within the business Passionate about data and analytics and driving scoring initiatives across the group Key responsibilities: The go-to person for insight on the performance of core services for our customers, including creating presentations and delivering the results Monitoring the performance of and maintaining the integrity of eligibility models and scoring criteria Structuring and completing ad-hoc analysis – e.g. into marketing efficiency of campaigns, or studies into credit risk biases Leading and or supporting data exchanges with our customers and partners Taking ownership and responsibility for solutions Becoming well-versed in the meaning and structure of credit bureau data Training and mentoring employees Perform credit and financial analysis on new and existing customers in order to profile customer segments and recommend credit scoring criteria for consideration. Creating/preparing various reports for management. Maintaining/updating credit scorecards as needed. Work closely with the rest of the regional teams to understand and map out credit scoring needs. Other ad-hoc tasks as assigned from time to time. Skills and Requirements: Able to perform complex mathematical calculations. Able to recognize and attend to important details with accuracy and efficiency. Able to communicate clearly and convey necessary information. Able to interact effectively with all levels of management. Possesses strong organizational and time management skills, driving tasks to completion. Able to constructively work under stress and pressure when faced with high workloads and deadlines. Able to maintain and promote social, ethical, and organizational standards in conducting internal and external business activities. Able to work independently with minimum supervision. Able to maintain confidentiality of sensitive information Able to build solid, effective working relationships with others. What can you expect from us? Join a fantastic team  : Work with the top management of the company, with backgrounds from leading consulting, banking and start-up companies. Learn :  Work with a team with a proven track-record of building successful internet companies. Have fun :  A challenging, fun and international environment Grow :  Great opportunities for further career advancements, either within the regional group or in one of our country teams

About the Position: LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.                                                             The role: Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data. Design scalable big data pipeline/workflows for behavioral and social algorithms. Build strong communication channels with different stakeholders   Specific responsibilities                                                        Review and analyze client and external data sets. Deploy and integrate LenddoEFL's solutions in clients’ environments. Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring. Design, build and implement Data Manipulation environments for internal and external purposes Rapid identification of R&D opportunities and model improvement. Research new non-traditional sources of data to include in the LenddoEFL platform.                                                             Preferred Qualifications:                                                                                                      Advanced degrees in Applied Math, Statistics, Engineering or equivalent 5+ years of job experience with statistical modeling Strong programming skills.                  Experience with statistical techniques and tools in python or R.                 Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams. Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions. Preferred Qualifications: Proven experience in Data manipulation. Database skills in any major database language. Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring. Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists. Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, and NLP. Experience (or keen desire for experience) in a small, fast-moving, high-growth company. Any level of experience with Spanish.

About the Position: LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.                                                             The role: Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data. Design scalable big data pipeline/workflows for behavioral and social algorithms. Build strong communication channels with different stakeholders   Specific responsibilities                                                        Review and analyze client and external data sets. Deploy and integrate LenddoEFL's solutions in clients’ environments. Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring. Design, build and implement Data Manipulation environments for internal and external purposes Rapid identification of R&D opportunities and model improvement. Research new non-traditional sources of data to include in the LenddoEFL platform.                                                             Preferred Qualifications:                                                                                                      Advanced degrees in Applied Math, Statistics, Engineering or equivalent 5+ years of job experience with statistical modeling Strong programming skills.                  Experience with statistical techniques and tools in python or R.                 Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams. Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions.   Preferred Qualifications: Proven experience in Data manipulation. Database skills in any major database language. Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring. Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists. Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, and NLP. Experience (or keen desire for experience) in a small, fast-moving, high-growth company. Any level of experience with Spanish.

About the Position: LenddoEFL is seeking an experienced Data Scientist to execute and improve our modeling efforts with an innovative, challenging alternative to traditional credit scoring. As a Data Scientist on LenddoEFL’s modeling team, you will be responsible for building, monitoring and deploying different types of models. The team works on non-traditional credit scoring techniques and is continuously looking for improvement on its standards.                                                             The role: Work with research scientists/engineers to develop, prototype and productize new machine learning and graph algorithms operating on wide and big data. Design scalable big data pipeline/workflows for behavioral and social algorithms. Build strong communication channels with different stakeholders   Specific responsibilities                                                        Review and analyze client and external data sets. Deploy and integrate LenddoEFL's solutions in clients’ environments. Establish and implement the risk frameworks including design variables and scorecards, model validation and portfolio performance monitoring. Design, build and implement Data Manipulation environments for internal and external purposes Rapid identification of R&D opportunities and model improvement. Research new non-traditional sources of data to include in the LenddoEFL platform.                                                             Preferred Qualifications:                                                                                                      Advanced degrees in Applied Math, Statistics, Engineering or equivalent 5+ years of job experience with statistical modeling Strong programming skills.                  Experience with statistical techniques and tools in python or R.                 Good communication skills; prefer candidates who have experience of presenting technical concepts and results to risk and business teams. Plays well with others; able to listen to, appreciate, and effectively critique peers’ opinions.   Preferred Qualifications: Proven experience in Data manipulation. Database skills in any major database language. Deep fundamental understanding in the technical aspects, monitoring and evaluation techniques, and the challenges associated with traditional credit scoring. Demonstrated interest in machine learning and other non-traditional techniques for model construction, and able to leverage and work with skills of highly experienced data scientists. Experience in a wide range of numerical and statistical modeling, including pattern recognition, machine learning, andNLP. Experience (or keen desire for experience) in a small, fast-moving, high-growth company. Any level of experience with Spanish.

Description   As a Principal Product Manager, you will own defining, executing, and delivering a technology roadmap that expands our product offerings and delivers new experiences to our customers. You will help drive technology innovation in the form of products, features, and platforms. You will help create and drive the long-term strategy, vision, and roadmap, with a high degree of ownership over critical features and the member experience. About the Role In this role, you will be responsible for leading the Risk platform for all Sofi products. As Sofi continues to expand its product offerings, the Risk platform is at the core of products and this role will drive product strategy and innovation to scale and manage losses. This role is inherently cross-functional—you will work closely with engineering, design, operations, finance,  and executive teams to set technology strategy, define and prioritize features. You’ll bridge technical and business worlds engaging with matrixed teams including engineering, design, operations, legal, risk, compliance and you must drive internal stakeholder and partner engagements necessary for the on-time launch of the product.   At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent. Responsibilities Be able to drive disruptive innovative solutions in a customer centric environment Build a vision, strategy and own a multi-year product roadmap  Break vision into phases, prioritize and drive backlogs for launch with your dedicated engineering teams Own BI, instrumentation and data and analysis for your products to drive deep understanding, innovation and product plans. Be able to lead in a fast paced agile environment Work with internal project stakeholders from marketing, sales, operations, community and executive management to translate customer needs into a product. Be able to work closely with engineering to own and dive deep into backlogs , definition of done and technical details. Lead extensive framework of experimentation in order to drive customer impact.   Basic Qualifications Experience in building platform products to scale(preferably in Fintech space) Passionate and technically adept to drive innovation in Risk space Bachelor’s degree or higher with a technical discipline, or equivalent experience Demonstrated experience shipping commercially successful consumer products to global market segments Superior communication skills, written and verbal. Experience presenting to C-level leadership Experience in end to end ownership of a product and P&L  Experience managing complex product development cycles and highly technical solutions Demonstrated experience shipping commercially successful consumer products Superior communication skills, written and verbal. Experience presenting and influencing C-level leadership Experience leading cross-functional teams to deliver products and projects on deadlines Ability to work with remote teams   Preferred Qualifications MBA with BS or higher in Computer Science 10+ years product management Passion for fin tech  Demonstrated ability to understand and discuss technical concepts, manage tradeoffs and evaluate opportunistic new ideas with internal and external partners Ability to think strategically and execute methodically. Proven track record of taking ownership and successfully delivering results in a fast-paced, dynamic environment   Benefits Inspiring company mission Company paid lunch program, a fully stocked kitchen, and subsidized gym membership. Competitive salary packages and bonuses. A flexible vacation policy allows you to truly relax and reboot.  Comprehensive health, vision, dental, and life insurance as well as disability benefits. 100% of health, vision, and dental premiums paid by SoFi for employees and their dependents.  401(k) and education on retirement planning.  Tuition reimbursement on approved programs, up to $5,250 a year. Monthly contribution to help you pay off your student loans.

Description   Summary  We are seeking a highly-talented and adaptable associate to join our Business Operations and Strategy supporting our next generation of Collections and servicing. We are looking for a creative professional with a passion for communications, technology, analysis, stakeholder engagement and the energy to effect organizational transformation.  The role will encompass a variety of areas and activities, including financial analysis, subcontracts/contracts administration, proposal analysis, communications and business. Exceptional skills in fiscal management, written communications, developing and sustaining organizational performance scorecards, and technology acumen are a must. The right person will help create our collections story through active engagement with the broader team, driving transparency and operational effectiveness across the organization, in support of our overall goals.  As a team member of the Business Operations and Strategy organization, you play an important strategic and operational role in the success of the organization. This role could be for you if you thrive in a fast-paced environment while solving complex problems, are able to manage multiple priorities, and deal well with ambiguity.  At SoFi, you’ll become part of a new kind of finance company based around speed, transparency, and alignment with our members’ interests. Our goal is to be at the center of our members’ financial lives. We created student loan refinancing, addressing the biggest financial challenge of a new generation through a modern approach to lending and personal finance. We expanded into other types of loans, and then into insurance and wealth management with similarly inventive products and soon to be launched SoFi money a modern take on a checking or savings account. As the company has grown, we’ve been able to help more people with these tools. SoFi has achieved significant growth, with ambitious plans ahead, but to continue this growth we need great talent. Essential Functions & Responsibilities  Work closely with Director, Servicing and Funding to:  Drive progress on organization-wide and/or high-level initiatives and ensure crucial deadlines are set and met.  Work closely with senior leadership team to coordinate the implementation of strategy and policy goals in accordance with leadership direction.  Set and align internal processes, standards and resources to strategic direction and to advance the purpose of the organization.  Drive organizational accountability by providing financial analytics and guidance for expenditures that align to division goals and objectives offerings.  Closely monitor and report on contract vehicles, ensuring appropriate allocation of expenditures and strategic alignment.  Drive a division brand through a cohesive communications and marketing strategy.  Liaise with senior member company representatives and other key stakeholders on behalf VP as required.  Set division up for break-through thinking and initiatives.  Advance the division as a competitive employer by shaping the work environment and attracting and retaining talent  Qualifications  Bachelor's Degree or equivalent work or military experience  At least 5 years of business analytics  MUST have vast experience building collections reporting Risk/credit experience  Preferred Qualifications  Master’s Degree in Information Systems, Computer Science, or Engineering or Business Management  5+ years of experience with technology concepts and methodologies  Agile certification  PMP certification  AWS Certification  Benefits Employer paid lunch program, a fully stocked kitchen, and subsidized gym membership. Competitive salary packages and bonuses. A flexible vacation policy allows you to truly relax and reboot. Comprehensive health, vision, dental, and life insurance as well as disability benefits. 100% of health, vision, and dental premiums paid by SoFI for employees and their dependents. 401(k) and education on retirement planning. Tuition reimbursement on approved programs, up to $5,250 a year. Monthly contribution to help you pay off your student loans.

Description   Lead by the Chief Risk Officer, SoFi’s Risk Management group has responsibility for ensuring that the organization’s growth in lending and other Member activities aligns with the company’s risk appetite. The group directly manages the credit risk strategies and policies for all products, administers a strong Third Party Risk management program in tandem with business line partners, promotes strong compliance with regulations, creates processes for excellent operational controls, and helps SoFi deliver on a great customer experience  Responsibilities   Analyze portfolio performance to identify risk factors at early stage  Analyze the performances and derive data driven strategies for risk and/or marketing treatment strategies  Develop analytical tools ranging from customer segmentation to scorecard development  Develop forecasting methods and monitor the performance of different acquisition vintages as well as the roll rate of different past due/default buckets to define portfolio performance trend  Optimize targeting, offers and performance across multiple origination channels  Analysis of opportunity and risk of new product offerings  Perform other related duties as required and assigned     Qualifications   MS in a quantitative field (e.g., Applied Math, Econ, Statistics or related field preferred)  Five to seven years of experience in financial modeling/use of statistical/machine learning models  Strong data analysis experience within the financial services industry  Excellent SQL skills: extensive experience querying large, complex data sets  High proficiency with Excel including pivoting capabilities and analysis modules – VBA macros and ODBC sourcing a plus  Working knowledge of basic statistics; experience with R, SAS or similar a plus  Proven track record at delivering timely and accurate information in a fast-paced environment  Excellent critical thinking, problem solving, mathematical skills and sound judgment  Strong business acumen and ability to interface with executive management