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...