Associate Product Owner, Credit Risk

About Mox

Mox is built by and for the ones who aspire to live life to the fullest –we call them Generation Mox! The name Mox reflects the endless opportunities we can create, - Mobile eXperience; Money eXperience; Money X (multiplier), eXponential growth, eXploration… it’s all up for us to define together.

Why Mox

Mox helps you grow –your money, your world, your possibilities. We equip you with the financial management tools, information and insights you need to make your dreams, big or small, come true. Everything at Mox –from our products, features, to rewards –is designed based on customer research, tailor made for your needs. We care about what customers care about, especially in data security and privacy. Data ethics is core to everyone here at Mox. Mox rewards you with an array of banking and lifestyle benefits.

What we are looking for?

You will join an agile Product team and work with the Credit Risk squad in the Cards and Lending tribe as part of a broader portfolio to design, develop and run one of our key propositions. Reporting to the Risk Tribe Lead you will work at the intersection of both Credit Risk and Product Delivery in supporting both teams to deliver innovative credit solutions to the existing and new Mox customers. Persons with FICO Credit Decisioning experience are strongly encouraged to apply.



  • Work closely with Credit Risk Team on credit policy design and refinements, across multiple products, e.g. credit, loan, portfolio management etc.
  • Create change proposals in each of the credit decision life cycle.
  • Design and implement new credit policies/ changes on existing credit policies on our FICO decisioning platform.
  • Design test cases and test scenarios, perform QA/UAT on credit policies decision behaviour.
  • Work closely with Product and Tech Teams on credit and risk decisions, to ensure decisions are correctly propagated and consistent among various systems.


  • Bachelor’s or Masters’ Degree in Data Science, Business, Finance, Technology or other relevant disciplines.
  • Experience with FICO Credit Decision Engines is strongly desired
  • Solid experience as a business analyst with exposure to personal loans, credit card or unsecured product portfolio management.
  • Strong technical background with coding experience.
  • Sharp analytical and problem-solving skills, working knowledge of SQL is a plus.
  • Experience using Retail Credit Decision systems an advantage.
  • Fluent spoken and written English.
  • Hands-on experience with agile development methodologies.
  • Knowledge about the platform developing skills and APIs.
  • Outstanding communication, presentation, and leadership skills.
  • Ability to manage time and schedules to meet aggressive deadlines and influence through persuasive written and verbal communication.
  • Exceptional interpersonal and communication skills.
  • An ability to think strategically and creatively.
  • Attention to detail.

To be eligible for internal referrals at Mox Bank, you must be referred by a full time permanent employee of Mox Bank.

Join us today!