Credit Analyst

1 month ago
Full-time
Mid Level
Data Science and Analytics
Monzo

Monzo

Monzo is a digital retail bank and fintech company that provides smart banking solutions through its smartphone app. With over 8 million users, Monzo offers intelligent notifications, instant balance updates, and financial management tools to help user...

Banks
1K-5K
Founded 2015
$1100M raised

Description

  • Work on initiatives to improve credit underwriting, growth, and portfolio risk management.
  • Support the design and rollout of new lending strategies by analyzing data and turning findings into insights.
  • Monitor the performance of existing lending strategies and iterate to improve them.
  • Collaborate with engineering, marketing, product, risk, and control teams to design and deliver product changes.
  • Develop, maintain, and monitor credit models used to assess the net present value of new lending cohorts.
  • Build and maintain database tables and dashboards that enable fast, data-driven decisions.
  • Support the design and rollout of new products and customer journeys.
  • Assess how product lending portfolios will perform over time.

Requirements

  • Experience in unsecured retail lending, such as personal loans, credit cards, overdrafts, or BNPL.
  • Understanding of unsecured retail lending markets and the impact of pricing dynamics on portfolio performance.
  • Understanding of lending economics and experience developing and deploying underwriting strategies.
  • Strong analytical and data skills with technical coding ability; SQL is required.
  • Python and Looker experience is a plus.
  • Working understanding of UK lending regulations.
  • Experience in project management and cross-team coordination.
  • Strong communication skills with the ability to simplify complex problems and articulate decision points.
  • Ability to thrive in a fast-paced environment and collaborate with diverse teams.
  • Motivation to create positive impact for customers and Monzo.

Benefits

  • Salary of £59,100 to £79,900 plus performance-tied incentive awards.
  • Visa sponsorship available.
  • Flexible working hours.
  • Remote or distributed working within the UK, with ad hoc London meetings.
  • £1,000 annual learning budget for books, training courses, and conferences.
  • Company-provided MacBook and work-from-home setup support for fully remote employees.
  • Additional benefits available beyond those listed.

Interested in this position?

Apply directly on the company website

Apply Now

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