Credit Analyst

• Join the Borrowing collective, growing across Personal Loans and Financial Health. • Build innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money. • Develop and optimise unsecured credit risk and pricing strategies, partnering closely with Product, Engineering, and Data. • Build profitable portfolios alongside outstanding customer experiences. • Work on data-led decision-making and experimentation that shapes the future of modern lending. • Join at L30 on Monzo's Data Progression Framework. • Work from the London office or anywhere in the UK, with occasional ad hoc meetings in London.

• Bring 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 how pricing dynamics affect portfolio performance. • Understand lending economics and have developed and deployed underwriting strategies. • Bring strong analytical and data capabilities backed by technical coding skills, with SQL as a must-have. • Hold a working understanding of the regulations that apply to lending in the UK. • Thrive in a fast-paced environment and stay keen to improve products and ship changes to customers. • Communicate strongly, cutting through complex problems and articulating decision points. • Bring some project management and cross-team coordination experience. • Collaborate well with people of diverse skill-sets and personality types. • Stay motivated by the idea of bringing positive impact to customers and to Monzo.

• Bring Python experience alongside SQL. • Have worked with Looker for dashboards and reporting. • Have built and maintained credit models assessing net present value across lending cohorts. • Have designed customer journeys as well as the strategies behind them. • Use a preferred name to apply, as Monzo does not need full or birth names at application stage.

• Work on initiatives that 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. • Work alongside engineering, marketing, product, risk, and control to design and deliver product changes. • Develop, maintain, and monitor credit models that assess the net present value of new lending cohorts to drive strategic decisions. • Build and maintain the database tables and dashboards that provide insights and support 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 £59,100 to £79,900 plus incentive awards tied to your performance. • Get visa sponsorship, which Monzo offers for this role. • Work from the London office or anywhere in the UK, with only ad hoc meetings in London. • Set your own hours, with Monzo trusting you to work enough to do the job well at times that suit you and your team. • Fit work around school drop-offs, rush hour, or whatever else matters most in your life. • Spend a £1,000 annual learning budget on books, training courses, and conferences. • Receive a MacBook, with extra support for home setup if you work fully remotely. • Go through a three-step process taking around three to four weeks, with Monzo flexing around your schedule.

Monzo is on a mission to make money work for everyone, moving away from the complicated and confusing ways of traditional banking. Starting as a prepaid card, it now offers personal and business bank accounts, joint accounts, accounts for 16 to 17 year olds, a free kids account, and credit cards in the UK, alongside saving, investing, and pension consolidation. Known for its hot coral cards, get-paid-early feature, financial education, and award-winning customer service, Monzo focuses on solving problems and changing lives rather than selling products. The main tech hub is in London, but its data teams are based all over the UK.