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

  • 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

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