Senior Stress Testing Analyst or Remote

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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!

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📍London, Cardiff or Remote | 💰 from £63,800 + share options + Benefits

⭐ About our Financial Risk Team:

Our Stress Testing team is growing, and we’re looking for a Senior Stress Testing Analyst to help design, lead and deliver Monzo’s stress testing framework.

You’ll work across the full lifecycle of stress testing – from methodology design and scenario development through to running models, interpreting outputs and presenting results to senior stakeholders across Finance, Risk and the wider business. This role carries significant visibility and will require you to confidently own and explain complex analysis to exec-level audiences.

Alongside delivery, you will help build and improve our processes, governance and analytical toolkit. This is a brilliant opportunity for someone who combines strong analytical ability with influence, clarity of communication and the maturity to shape conversations with senior leaders.

🔑 What you’ll be working on:

As a Manager for Stress Testing, you'll initially lead the development and maintenance of the full lifecycle of our stress testing framework. This framework will be used to deliver prudential stress testing to support the production of the ICAAP, Recovery Plan and understanding the resilience of our balance sheet and risk management strategies. Your core responsibilities will include:

• Supporting delivery of all key stress testing activities
  , including ICAAP, Recovery Planning, Reverse Stress Tests and ad-hoc exercises.
• Running models, undertaking detailed analysis and interpreting results
  , ensuring outputs are robust, accurate and insightful.
• Presenting stress testing results and analysis to senior stakeholders
  , including Finance leadership, the broader Risk leadership group, governance committees and working groups.
• Acting as a key point of contact for cross-functional teams
  , ensuring stakeholders understand methodologies, assumptions, outputs and implications for the business.
• Helping design and enhance stress testing methodologies and frameworks
  , including data processes, scenario translation and model parameterisation.
• Designing and improving stress testing processes
  , ensuring they are scalable, controlled and repeatable.
• Building strong relationships across FP&A, Treasury, Borrowing, Credit Risk, Data, Product and other teams
  , facilitating smooth data flows and clear expectations.
• Producing high-quality written materials that explain complex analysis clearly for diverse and senior audiences — including memos, committee papers and technical documentation.
• Identifying opportunities for process improvement, automation and better controls
  , supporting the wider Financial Risk team’s development.
• Supporting the development and embedding of tools, models and templates used across stress testing and financial risk.

🤩 We’d love to hear from you if you…

• Have experience working in financial risk, credit risk, prudential regulation, finance, analytics or another analytically focused financial services role.
• Have strong analytical and problem-solving skills and enjoy working with models, scenarios, and financial data.
• Are confident presenting technical or complex analysis to senior stakeholders, and influencing outcomes with clarity and structure.
• Understand financial statements, capital metrics and risk drivers within a bank, or are keen to deepen your expertise in these areas.
• Are experienced in navigating cross-functional environments and building trusted relationships across levels and disciplines.
• Can translate complex information into simple, compelling messages for both technical and non-technical audiences.
• Are comfortable working independently, managing shifting priorities, and taking ownership for the quality of your work.
• Have a…