Senior Credit Analyst, Flex

1 month, 1 week ago
Full-time
Senior
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

  • Design and refine credit underwriting and limit strategies to optimise risk and growth.
  • Analyse portfolio performance, including arrears, utilisation, revenue, losses, and vintage curves, to generate actionable insights.
  • Build and interpret NPV and profitability models to support strategic decisions.
  • Develop segmentation frameworks to identify revenue and risk pressure points.
  • Lead analytical deep-dives into portfolio trends and emerging risks.
  • Partner with Product and Engineering teams to design and test new features and strategy changes.
  • Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions.
  • Present clear recommendations and analysis to senior stakeholders.
  • Support regulatory and governance requirements so strategies align with policy and risk appetite.

Requirements

  • Experience in unsecured lending, ideally within credit cards.
  • Strong understanding of credit card economics, including APR, utilisation, interchange, revolving behaviour, cost of funds, and losses.
  • Experience building or influencing credit strategies such as underwriting, limit management, or pricing.
  • Strong analytical and data capabilities, backed by technical coding skills.
  • SQL is a must-have.
  • Python and Looker experience is a plus.
  • Experience working with NPV models, profitability analysis, and portfolio forecasting.
  • Confidence communicating complex analysis clearly to non-technical stakeholders.
  • Experience collaborating cross-functionally in a fast-paced environment.
  • Interest in balancing risk, growth, and customer outcomes.

Benefits

  • Salary of £76,500 to £95,000 plus performance-tied Incentive Awards.
  • UK relocation support.
  • Visa sponsorship available.
  • Flexible working hours.
  • Distributed working within the UK, with ad hoc meetings in London.
  • Learning budget of £1,000 per year for books, training courses, and conferences.
  • Access to additional company benefits.

Interested in this position?

Apply directly on the company website

Apply Now

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