Credit Analyst

• Improve credit underwriting, boost growth, and manage portfolio risk. • Support the design and roll-out of new lending strategies by finding patterns in data and translating them into insights. • Monitor the performance of existing strategies and iterate to improve them. • Develop, maintain, and monitor credit models to assess net present value of new lending cohorts. • Build and maintain database tables and dashboards that promote rapid, data-driven decisions. • Support the design and roll-out of new products and customer journeys. • Assess how the lending portfolio of particular products will perform over time.

• Have experience in unsecured retail lending such as personal loans, credit cards, overdrafts, or buy now pay later. • Understand how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance. • Understand lending economics and have experience developing and deploying underwriting strategies. • Have strong analytical and data capabilities backed by technical coding skills with SQL as a must-have. • Have a working understanding of the regulations that apply to lending in the UK. • Thrive in a fast-paced environment and be keen to improve products and ship changes to customers. • Communicate clearly, cut through complex problems, and articulate decision points. • Have some experience in project management and coordination across teams. • Collaborate well in a team with diverse skill sets and personality types.

• Have experience with Python. • Have experience with Looker.

• Work on initiatives to improve credit underwriting, boost growth, and manage portfolio risk. • Design and roll out new lending strategies by finding patterns in data and translating them into insights. • Monitor the performance of existing strategies and iterate to improve them. • Work alongside engineering, marketing, product, risk, and control teams to design and deliver product changes. • Develop, maintain, and monitor credit models to assess net present value of new lending cohorts to drive strategic business decisions. • Build and maintain database tables and dashboards that provide insights and promote rapid, data-driven decisions. • Support the design and roll-out of new products and customer journeys. • Assess how the lending portfolio of particular products will perform over time.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £58,000 to £78,000 plus incentive awards tied to performance. • Work flexibly from anywhere in the UK with ad hoc meetings in London. • Receive a £1,000 annual learning budget for books, training courses, and conferences. • Benefit from flexible working hours and trust-based scheduling. • Access visa sponsorship if needed.

Monzo is a digital bank on a mission to make money work for everyone. Starting as a prepaid card, it now offers personal and business bank accounts, joint accounts, teen accounts, kids accounts, credit cards, savings, investments, and pension combining in the UK. The Borrowing collective builds innovative, responsible lending products across Personal Loans and Financial Health, giving customers greater transparency, flexibility, and control over their money.