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Data Analysis
Lead Credit Analyst, Personal Borrowing
@Monzo
[Hiring] Lead Credit Analyst, Personal Borrowing @Monzo
Apr 04, 2025 - Monzo is hiring a remote Lead Credit Analyst, Personal Borrowing. 💸 Salary: £92,500 to £125,000 + stock options + benefits. 📍Location: UK.
This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more.
Role Description
Our Borrowing business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.
- Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk.
- Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights.
- Monitoring the performance of our existing strategies, and iterating to improve them.
- Collaborating with people from engineering, marketing, product, risk and control to design and deliver product changes.
- Developing our credit control and portfolio management frameworks to support our growing portfolios.
- Developing, maintaining and refining our credit models to assess net present value of new lending cohorts to drive strategic business decisions.
- Building, maintaining and owning the database tables and dashboards that provide insights and promote rapid, data-driven decisions.
- Supporting the design and roll-out of new products and customer journeys.
- Assessing how the lending portfolio of particular products will perform over time.
- Mentoring and up-skilling more junior members of the team.
Qualifications
- Extensive experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.).
- Deep understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance.
- Deep understanding of lending economics and experience developing and deploying underwriting strategies and credit models.
- Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
- Strong understanding of the regulations that apply to lending in the UK.
- Thrive in a fast-paced environment and keen for the chance to improve products and help ship changes to customers.
- Strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadership.
- Experience in project management and coordination across teams.
- Work well collaborating in a team with diverse skill-sets and personality types.
- Highly motivated and energized by the idea of bringing positive impact to customers and Monzo.
Requirements
- Experience in unsecured retail lending.
- Understanding of lending economics.
- Strong analytical skills with coding experience.
- Knowledge of UK lending regulations.
- Ability to thrive in a fast-paced environment.
- Strong communication skills.
- Project management experience.
- Ability to collaborate in diverse teams.
- Motivation to create positive customer impact.
Benefits
- £92,500 to £125,000 + stock options + benefits.
- Relocation assistance to the UK.
- Visa sponsorship available.
- Flexible working hours.
- Learning budget of £1,000 a year for books, training courses and conferences.
- And much more, see our full list of benefits.
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| 📍 | Be aware of the location restriction for this remote position: UK |
| ‼ | Beware of scams! When applying for jobs, you should NEVER have to pay anything. Learn more. |
Back to Remote jobs >
Data Analysis
Data Analysis
|
Salary
💸
£92,500 to £125,000 + stock options + benefits
|
Remote
Location
UK
|
|
Job Type
full-time
|
Posted
Apr 04, 2025
|
️
| 📍 | Be aware of the location restriction for this remote position: UK |
| ‼ | Beware of scams! When applying for jobs, you should NEVER have to pay anything. Learn more. |
