Senior Credit Analyst

Monzo Bank
Cardiff, London
Workplace: HybridFull timeGBP 76,500 - 108,100Function: Banking, Lending & CreditSkills: ["Analytical thinking","Stakeholder communication","Cross-functional collaboration","Data interpretation","Structured recommendations"]

Shape credit strategy for Monzo’s credit card products by designing underwriting and limit approaches, analyzing portfolio performance, and building NPV and profitability models. Develop segmentation frameworks, lead deep-dives into trends and emerging risks, and evaluate pricing, eligibility, and limit decisions. Partner with Product, Engineering, Data Science, Finance, and Risk to test strategy changes, support governance requirements, and present clear recommendations to senior stakeholders.

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Monzo Bank
Monzo Bank
1 day ago

Senior Credit Analyst

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Last checked: 3 hours agoStatus: Live

Job Summary

Shape credit strategy for Monzo’s credit card products by designing underwriting and limit approaches, analyzing portfolio performance, and building NPV and profitability models. Develop segmentation frameworks, lead deep-dives into trends and emerging risks, and evaluate pricing, eligibility, and limit decisions. Partner with Product, Engineering, Data Science, Finance, and Risk to test strategy changes, support governance requirements, and present clear recommendations to senior stakeholders.
Location: Cardiff, London
Workplace: Hybrid
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Mid level

Key Responsibilities

  • •Design and refine credit underwriting and limit strategies to optimize risk and growth.
  • •Analyze portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insights.
  • •Build and interpret NPV and profitability models to inform strategic decisions.
  • •Develop segmentation frameworks and lead analytical deep-dives into portfolio trends and emerging risks.
  • •Partner with Product and Engineering to design and test new features and strategy changes, and present recommendations to senior stakeholders.

Pay and Benefits

Salary: GBP 76,500 - 108,100
Perks:Learning BudgetRemote WorkRelocationVisa Sponsorship

Key Requirements

  • •Experience in unsecured lending, ideally within credit cards.
  • •Strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses).
  • •Experience building or influencing credit strategies (e.g., underwriting, limit management, pricing).
  • •Strong analytical and data capabilities with coding skills; SQL is a must-have, Python and Looker are a plus.
  • •Experience with NPV models, profitability analysis, and portfolio forecasting, plus the ability to communicate clearly to non-technical stakeholders.
Experience:Unsecured lendingCredit cardsLending portfolioRisk analytics
Skills:Analytical thinkingStakeholder communicationCross-functional collaborationData interpretationStructured recommendations
Languages:English
Tech Stack:SQLPythonLookerNPV

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