Credit Analyst

Monzo Bank
Cardiff, London, United Kingdom
Workplace: RemoteFull timeGBP 59,100 - 79,900Function: Banking, Lending & CreditSkills: ["Analytical thinking","Data-led decision-making","Communication","Collaboration","Project coordination"]

Build and optimise unsecured credit risk and pricing strategies for personal loans and financial health. Use data-led analysis to support new underwriting strategies, monitor portfolio performance, and iterate based on results. Develop and maintain credit models and dashboards that enable rapid decision-making, translating patterns in data into insights for product changes. Partner with Product, Engineering, Data, Marketing, Risk, and Control to deliver profitable portfolios and better customer outcomes.

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Monzo Bank
Monzo Bank
4 days ago

Credit Analyst

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Source: Company careers pageValidated by: Fursa AI
Last checked: 7 minutes agoStatus: Live

Job Summary

Build and optimise unsecured credit risk and pricing strategies for personal loans and financial health. Use data-led analysis to support new underwriting strategies, monitor portfolio performance, and iterate based on results. Develop and maintain credit models and dashboards that enable rapid decision-making, translating patterns in data into insights for product changes. Partner with Product, Engineering, Data, Marketing, Risk, and Control to deliver profitable portfolios and better customer outcomes.
Location: Cardiff, London, United Kingdom
Workplace: Remote
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Improve credit underwriting initiatives to boost growth and manage portfolio risk.
  • •Find patterns in data to support design and roll-out of new lending strategies and translate insights.
  • •Monitor performance of existing strategies and iterate to improve outcomes.
  • •Develop, maintain, and monitor credit models to assess net present value of new lending cohorts.
  • •Build and maintain database tables and dashboards to provide insights and enable rapid, data-driven decisions.

Pay and Benefits

Salary: GBP 59,100 - 79,900
Perks:Learning BudgetRemote WorkVisa Sponsorship

Key Requirements

  • •Experience in unsecured retail lending such as personal loans, credit cards, overdrafts, or buy now pay later.
  • •Understanding of unsecured retail lending markets, including how pricing dynamics affect portfolio performance.
  • •Knowledge of lending economics and experience developing and deploying underwriting strategies.
  • •Strong analytical and data skills with technical coding; SQL is a must-have, with Python and Looker experience a plus.
  • •Working knowledge of the UK regulations that apply to lending.
Experience:Unsecured retail lendingPersonal loansCredit cardsBuy now pay laterFintechFinancial services
Skills:Analytical thinkingData-led decision-makingCommunicationCollaborationProject coordination
Languages:English
Tech Stack:SQLPythonLooker

Eligibility

Work Authorization:Sponsorship available.

Company Brief

Monzo Bank
Monzo is a UK-based digital bank offering mobile-first current accounts, savings, business banking, and financial tools focused on transparency, low fees, and real-time money management for consumers and small businesses.
Industry: Neobanking
Company Size: Enterprise (1,001+ employees)
Growth: Scaleup
Valuation: Unicorn (USD 1B+)
Funding: Series E+
Headquarters: London, United Kingdom
Founded: 2015
WebsiteLinkedIn