Financial Health Lead Dublin

Head of Financial Health (EU)

You will report directly to the Head of Borrowing, EU and work closely with the Director of Financial Health, UK. You will lead the Financial Health initiatives in the EU and act as the FinHealth lead in Europe, collaborating with the UK FinHealth team to deliver policies, strategies and analytics used to support customers in financial difficulties with Monzo. Partner with operations, tech and credit risk leadership to deliver on a robust financial health strategy, balancing good customer outcomes whilst mitigating credit loss. This includes the whole arrears lifecycle, pre arrears, collections and recoveries, across our lending products in the EU.

• Working with the broader FinHealth team to ensure the effective delivery and localisation of FinHealth capabilities for European markets, aligning with local regulatory requirements and customer needs
• Acting as the primary FinHealth lead in Europe by navigating the complex regulatory landscape of the European Union, ensuring our practices remain within risk appetites and comply with regional regulations
• Owning Collections and Recoveries outcomes, balancing good customer outcomes with strong portfolio performance
• Supporting our product and tech squads in shaping in app journeys and features that support customers facing financial difficulties, ensuring alignment with broader Monzo strategies
• Working with Operations to implement collections processes consistent with prescribed strategy
• Working with a team of data analysts to extract insights into customer behaviour and financial performance, optimising our financial health strategies

Qualifications

• You have direct experience leading collections & recoveries strategies or products for a regulated lender in a European context
• Strong understanding of the critical role collections & recoveries play within the credit risk strategy of a lending business
• Deep knowledge of European consumer credit regulations and how they differ across member states
• Adaptability and ability to thrive in a fast moving, dynamic company environment

Benefits

• Hybrid working model, based in our Dublin office
• Flexible working hours
• Annual leave - 34 days including public holidays
• Learning budget: €1,200 per year for training
• Pension scheme - minimum contribution 4%, company match up to 6%
• Wellbeing benefits: financial education, health support, mental health resources, coaching and counselling

Equal opportunities

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, veteran, neurodiversity or disability status.