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Data Analysis
Senior Credit Analyst
@Monzo
[Hiring] Senior Credit Analyst @Monzo
Apr 04, 2025 - Monzo is hiring a remote Senior Credit Analyst. 💸 Salary: £69,000 to £95,000 + 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
This role involves developing credit and pricing strategies for Monzo's unsecured lending products.
- Working on initiatives to improve credit underwriting, boost growth, and 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 existing strategies and iterating to improve them
- Collaborating with engineering, marketing, product, risk, and control teams to design and deliver product changes
- Developing, maintaining, and monitoring credit models to assess net present value of new lending cohorts
- Building and maintaining database tables and dashboards for insights and 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
Qualifications
- Experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later)
- Understanding of the unsecured retail lending market and the impact of pricing dynamics on portfolio performance
- Understanding of lending economics and experience developing and deploying underwriting strategies
- Strong analytical and data capabilities, backed up by technical coding skills (SQL is a must-have; Python and Looker experience is a plus)
- Working understanding of the regulations that apply to lending in the UK
- Ability to thrive in a fast-paced environment and improve products
- Strong communication skills to articulate decision points
- Experience in project management and coordination across teams
- Ability to collaborate 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 technical coding capabilities
- Knowledge of UK lending regulations
- Project management experience
Benefits
- £69,000 to £95,000 + 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
💸
£69,000 to £95,000 + 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. |
