Credit Analyst

11 hours, 2 minutes 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

  • Improve credit underwriting, growth, and portfolio risk initiatives for unsecured lending products.
  • Support the design and rollout of new lending strategies by analysing data and translating findings into insights.
  • Monitor the performance of existing lending strategies and iterate to improve them over time.
  • Collaborate with engineering, marketing, product, risk, and control teams to design and deliver product changes.
  • Develop, maintain, and monitor credit models used to assess net present value and support strategic decisions.
  • Build and maintain database tables and dashboards that enable insight generation and rapid data-driven decisions.
  • Support the design and rollout of new products and customer journeys.
  • Assess how lending portfolios for specific products are likely to perform over time.

Requirements

  • Experience in unsecured retail lending such as personal loans, credit cards, overdrafts, or buy now pay later.
  • Understanding of unsecured retail lending markets, including how pricing dynamics affect portfolio performance.
  • Understanding of lending economics and experience developing and deploying underwriting strategies.
  • Strong analytical and data capabilities, backed by technical coding skills.
  • SQL experience is required.
  • Python experience is a plus.
  • Looker experience is a plus.
  • Working understanding of UK lending regulations.
  • Experience in project management and cross-team coordination.
  • Strong communication skills and the ability to explain complex problems and decision points clearly.

Benefits

  • Salary of £58,000 to £78,000.
  • Incentive awards tied to performance.
  • Visa sponsorship available.
  • Flexible working hours.
  • Remote or distributed working within the UK, with ad hoc meetings in London.
  • £1,000 annual learning budget for books, training courses, and conferences.
  • Additional employee benefits available through Monzo’s benefits package.

Interested in this position?

Apply directly on the company website

Apply Now

Similar Roles

Risk Intelligence Analyst

Signifyd 251-1K IT Services

Signifyd is hiring a Risk Analyst to join its Risk Intelligence team, focusing on detecting fraud patterns, monitoring risk, and improving payment risk decisioning for e-commerce merchants worldwide.

Looker Machine Learning SQL
1 hour, 22 minutes ago

Staff Data Analyst, Block Compliance

Block 10K-50K Capital Markets

Block is hiring a Staff Data Analyst for its Compliance Analytics team to lead analytics and data strategy for financial crimes and AML compliance across regulatory engagements and internal stakeholders.

Looker Prefect Python R SQL Tableau
1 hour, 24 minutes ago

Binance Accelerator Program - Affiliate Data

Binance 5K-10K Capital Markets

Binance’s Accelerator Program is seeking an early-career Data Analyst to support operations and business teams with reporting, analysis, and dashboarding in a fast-paced Web3 environment.

Blockchain Python SQL
4 hours, 36 minutes ago

Marketing Data Analyst- Temporary 10 Months

Connecteam 251-1K Diversified Telecommunication Services

Connecteam is hiring a temporary Marketing Analyst for 10 months to support its growth and user acquisition efforts by turning marketing and product data into insights that improve performance and visibility.

dbt Looker Metabase Python SQL Statistics Tableau
8 hours, 5 minutes ago

You're on a roll! Sign up now to keep applying.

Sign Up

Already have an account? Log in

Used by 14,729+ remote workers