Credit Analyst

• Work on initiatives to 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 these 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.

• Have experience in unsecured retail lending such as personal loans, credit cards, overdrafts, or buy now pay later. • Have an understanding of how the unsecured retail lending market works including pricing dynamics on portfolio performance. • Have an understanding of lending economics and experience developing and deploying underwriting strategies. • Have strong analytical and data capabilities with technical coding skills; SQL is 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. • Be a strong communicator able to cut through complex problems and articulate decision points. • Have some experience in project management and coordination across teams. • Work well collaborating in a team with diverse skill-sets and personality types.

• Have experience with Python and Looker. • Have experience working in a fintech or challenger bank environment.

• Work on initiatives to 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 these into insights. • Monitor the performance of existing strategies and iterate to improve them. • Work alongside people from engineering, marketing, product, risk, and control 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.

• Receive £55,000 to £77,000 plus stock options and benefits. • Benefit from visa sponsorship if required. • Work remotely within the UK or from the London office with ad hoc meetings in London. • Enjoy flexible working hours and trust to work at times that suit you and your team. • Access a learning budget of £1,000 a year for books, training courses, and conferences.

Monzo is on a mission to make money work for everyone, waving goodbye to the complicated and confusing ways of traditional banking. Starting as a prepaid card, Monzo has grown to offer personal and business bank accounts, joint accounts, accounts for 16-17 year olds, free kids accounts, and credit cards in the UK. With over 11 million UK customers, Monzo has built a product that people love, with more than 80% of growth coming from word of mouth and referrals.