Enterprise Risk Analyst

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 ❤️

You will be responsible for supporting the implementation and ongoing operation of Monzo’s strategic risk oversight and framework processes. As the role matures, your responsibilities will continue to grow, but will include:

• Develop strategic risk oversight dashboards, building these from scratch and exploring both internal data and external macroeconomic data sources to provide meaningful insight into Monzo’s risk profile.
• Interpret macroeconomic and external developments (eg interest rates, inflation, geopolitical events, AI trends) and assess their impact on Monzo’s strategic risks. 
• Produce monthly strategic risk oversight reports for our Group Chief Risk Officer
• Own data quality in strategic risk reports you produce, making sure risk data and formulas are accurate, consistent, and meaningful. You’ll manage issue resolution and enhancement requests from our Group Chief Risk Officer.
• Carry out deep dive research and analysis into emerging and  strategic risks, translating complex external developments into clear potential impacts 
• Carry out strategic risk oversight reviews, working with our first line colleagues to deliver real insight into how we’re managing strategic risk
• Look for opportunities to streamline processes, automate tasks, and improve the usability of our risk management frameworks and strategic risk oversight

• Support the operation of the Enterprise Risk Management Framework (ERMF), including preparing materials for Group Executive and Board risk committees
• Support with cross-functional projects such as our Risk Appetite refresh
• Create and maintain user-facing documentation, training, and process guidance for our risk frameworks
• Tackle other ad-hoc tasks to support the Group Risk team on frameworks, systems, and projects

• Strong understanding of macroeconomic and external drivers, and how they impact financial services businesses. 
• Comfortable interpreting data and external trends to form risk views, not just reporting them. 
• Experienced in creating macroeconomic monitoring dashboards. You know what 'good' looks like and you’re confident in bringing that expertise to Monzo.
• Detail-oriented and great with G Suite (especially Gemini, Sheets, Docs, Slides) for building simple, effective solutions.
• A clear written and verbal communicator who can influence and manage stakeholders at all levels, working effectively across the three lines of defence and always keeping to Monzo's tone of voice.
• A strategic thinker. You can balance immediate tasks with long-term goals to prioritise effectively.
• Resilient and comfortable working in a fast paced and ambiguous environment where the day to day job is constantly evolving and changing
• A team player who can foster positive and collaborative relationships across the three lines of defence
• A role model for our values and behaviours.

It would be a bonus if you have experience in risk management and / or a degree in economics or similar.

Our interview process involves 4 main stages: 

• Short call with a recruiter 
• 30 minute video-call with the hiring manager
• Full-Loop (2 x 60 minute interviews conducted via GoogleMeet)

Our average process takes around 3-4 weeks but we will always work around your availability. 

💰 £44,600 to £55,000 + Incentive Awards tied to your performance + Benefits 

📍The Group Risk team is distributed with team members working within the UK (with ad hoc meetings in London) and we’re open to this role being based in our London office

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚 Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here 

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 😊