Senior Credit Analyst

1 month 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 identify actionable insights.
  • Build and interpret NPV and profitability models to inform 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, structured recommendations to senior stakeholders.
  • Support regulatory and governance requirements, ensuring 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 modelling rewards cards is a plus.
  • Experience building or influencing credit strategies such as underwriting, limit management, or pricing.
  • Strong analytical and data capabilities with technical coding skills.
  • SQL is a must-have; Python and Looker experience are a plus.
  • Experience 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 £108,100.
  • Incentive Awards tied to performance.
  • Relocation support to the UK.
  • Visa sponsorship.
  • Flexible working hours and distributed working within the UK.
  • £1,000 annual learning budget for books, training courses, and conferences.
  • MacBook provided, with extra home-working support for fully remote employees.

Interested in this position?

Apply directly on the company website

Apply Now

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