Enterprise Risk Analyst

Were on a mission to make money work for everyone.

Were 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 aspersonal 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 andcombine 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!

Were not about selling products - we want to solve problems and change lives through Monzo

Were looking for an Enterprise Risk Analyst to join Monzo!

This is a brilliant chance to get involved in some key areas of risk management at Monzo: strategic risk oversight and our risk frameworks. Youll be right at the heart of how Monzo develops these in a new global group structure.

Youll report to the Head of Enterprise Risk (part of Group Risk). Your main focus will be understanding and communicating strategic risks supported by data insights to bring those risks to life. This includes developing strategic risk oversight dashboards that combine internal business data with external macroeconomic signals making sure the right information is available accurate and informative to help senior stakeholders make decisions. You will work closely with people across Monzo to make sure insights are delivered clearly and on time for risk governance.

Youll also be key in supporting our risk frameworks and Group Risk processes. This involves setting up the systems guidelines and ways of working that help Monzo manage risk effectively. You could be improving our frameworks so theyre more readable and accessible helping deliver training or running cross-risk projects.

Youll need to be confident working with data (for example Google Sheets and data formulas) and youll be able to turn analysis into clear practical insight. You will be able to design and help roll out clear accessible risk management processes for the whole business. Ultimately your work will be vital in enabling Monzo to continue to manage its risks well for the benefit of our customers.

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

Strategic Risk

• Develop strategic risk oversight dashboards building these from scratch and exploring both internal data and external macroeconomic data sources to provide meaningful insight into Monzos risk profile.
• Interpret macroeconomic and external developments (eg interest rates inflation geopolitical events AI trends) and assess their impact on Monzos 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. Youll 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 were managing strategic risk
• Look for opportunities to streamline processes automate tasks and improve the usability of our risk management frameworks and strategic risk oversight

Frameworks

• 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

Wed love to hear from you if

• 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 youre 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 Monzos 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.

The Interview Process:

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.

Whats in it for you:

44600 to 55000 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 were 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 1000 a year for books training courses and conferences

And much more see our full list of benefitshere

#LI-TK #LI-Remote

Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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.

Were 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 dont need full or birth names at application stage