Monzo Bank

4 months ago

Senior Credit Analyst

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 12 hours agoStatus: Live

Job Summary

Senior Credit Analyst to shape Monzo’s credit strategy for the Flex credit card, balancing risk, growth and customer outcomes. You’ll design underwriting and limit strategies, analyse portfolio performance, build profitability models, develop segmentation, and collaborate with Product, Engineering, Data Science, Finance and Risk to drive sustainable, customer-focused growth across UK cards.

Location: Cardiff, London

Workplace: Remote

Employment Type: Full time

Job Function: Banking, Lending & Credit

Seniority: Sr. Manager level

Key Responsibilities

•Design and refine credit underwriting and limit strategies to optimise risk and growth.
•Analyse 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 to identify revenue and risk pressure points.
•Lead analytical deep-dives into portfolio trends and emerging risks.

Pay and Benefits

Salary: GBP 76,500 - 95,000 annually

Perks:Learning BudgetRelocation

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 of modelling rewards cards is a plus.
•Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing).
•Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
•Experience working with NPV models, profitability analysis, and portfolio forecasting.

Experience:FintechBankingCredit cards

Skills:CommunicationProblem-solvingCollaborationStakeholder managementAttention to detail

Languages:English

Tech Stack:SQLPythonLookerExcel

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

Website LinkedIn

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Monzo Bank

4 months ago

Senior Credit Analyst

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 12 hours agoStatus: Live

Job Summary

Location: Cardiff, London

Workplace: Remote

Employment Type: Full time

Job Function: Banking, Lending & Credit

Seniority: Sr. Manager level

Key Responsibilities

•Design and refine credit underwriting and limit strategies to optimise risk and growth.
•Analyse 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 to identify revenue and risk pressure points.
•Lead analytical deep-dives into portfolio trends and emerging risks.

Pay and Benefits

Salary: GBP 76,500 - 95,000 annually

Perks:Learning BudgetRelocation

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 of modelling rewards cards is a plus.
•Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing).
•Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
•Experience working with NPV models, profitability analysis, and portfolio forecasting.

Experience:FintechBankingCredit cards

Skills:CommunicationProblem-solvingCollaborationStakeholder managementAttention to detail

Languages:English

Tech Stack:SQLPythonLookerExcel

Company Brief

Monzo Bank

Industry: Neobanking

Company Size: Enterprise (1,001+ employees)

Growth: Scaleup

Valuation: Unicorn (USD 1B+)

Funding: Series E+

Headquarters: London, United Kingdom

Founded: 2015

Website LinkedIn