Credit Analyst

• Develop and optimise unsecured credit risk and pricing strategies across Personal Loans and Financial Health products. • Find patterns in data and translate them into actionable insights to support the design and roll-out of new lending strategies. • Monitor the performance of existing credit strategies and iterate to improve them. • Develop, maintain, and monitor credit models to assess the net present value of new lending cohorts. • Build and maintain database tables and dashboards that provide insights and promote rapid, data-driven decisions. • Assess how lending portfolios will perform over time and support the design of new products and customer journeys. • Work alongside engineering, marketing, product, risk, and control teams to design and deliver product changes.

• 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 the impact of pricing dynamics on portfolio performance. • Have an understanding of lending economics and experience developing and deploying underwriting strategies. • Have strong analytical and data capabilities backed by technical coding skills — SQL is a must, Python and Looker are a plus. • Have a working understanding of the regulations that apply to lending in the UK. • Be a strong communicator, able to cut through complex problems and articulate decision points clearly. • Have some experience in project management and coordination across teams. • Thrive in a fast-paced environment and be energised by shipping meaningful changes to customers.

• Have experience with Python for data analysis and modelling. • Have experience with Looker or similar BI and dashboarding tools. • Have experience developing credit models for NPV assessment or portfolio forecasting. • Have experience working in a fast-growth fintech or digital bank environment.

• Work on initiatives to improve credit underwriting, boost growth, and manage portfolio risk. • Design and roll out new lending strategies grounded in data analysis and insight. • Monitor existing strategy performance and iterate to improve outcomes. • Develop and maintain credit models to assess NPV of new lending cohorts. • Build and maintain database tables and dashboards for data-driven decision-making. • Support the design and roll-out of new products and customer journeys. • Collaborate cross-functionally with engineering, marketing, product, risk, and control teams.

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. • Receive visa sponsorship. • Work fully remotely from anywhere in the UK, with ad hoc meetings in London. • Enjoy flexible working hours with trust to work in a way that fits your life. • Receive a £1,000 annual learning budget for books, training courses, and conferences. • Access a full benefits package including investment, pension, and wellbeing support.

Monzo is on a mission to make money work for everyone — waving goodbye to the complicated and confusing ways of traditional banking. With hot coral cards, get-paid-early features, award-winning customer service, and products spanning bank accounts, credit cards, savings, investments, and pensions, Monzo has spent over 10 years creating magical moments for UK customers. The Borrowing collective builds innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money.