Graduate Credit Analyst

Monzo Bank
London
Workplace: HybridFull timeGBP 50,000+ annuallyFunction: Banking, Lending & CreditSkills: ["Collaboration","Communication","Presenting data analysis","Curiosity","Problem-solving"]

Join a fast-growing Borrowing team and rotate through three eight-month placements across credit strategy, machine learning, regulatory modelling, and credit risk assurance. You’ll work closely with Product, Engineering, Machine Learning, Finance, and Risk, solving real customer and business problems using data, experimentation, and statistical techniques. Over the scheme, you’ll build models that support lending decisions and help ship improvements to Monzo’s lending products.

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Monzo Bank
Monzo Bank
3 days ago

Graduate Credit Analyst

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Source: Company careers pageValidated by: Fursa AI
Last checked: 3 hours agoStatus: Live

Job Summary

Join a fast-growing Borrowing team and rotate through three eight-month placements across credit strategy, machine learning, regulatory modelling, and credit risk assurance. You’ll work closely with Product, Engineering, Machine Learning, Finance, and Risk, solving real customer and business problems using data, experimentation, and statistical techniques. Over the scheme, you’ll build models that support lending decisions and help ship improvements to Monzo’s lending products.
Location: London
Workplace: Hybrid
Employment Type: Full time
Job Function: Banking, Lending & Credit
Seniority: Graduate level

Key Responsibilities

  • •Complete three eight-month rotations across modern credit, with broad exposure to how credit works.
  • •Use data, experimentation, and commercial thinking to turn questions about lending into actionable strategies.
  • •Develop and improve models that power lending decisions using machine learning and statistical techniques.
  • •Build and maintain regulatory models to understand future credit losses and manage capital.
  • •Provide independent review and challenge of lending strategies and models to keep decisions robust and well-governed.

Pay and Benefits

Salary: GBP 50,000 annually
Perks:Incentive AwardsLearning BudgetMacbookFlexible HoursTraining CoursesMeal Allowance

Key Requirements

  • •Graduated in 2026 or graduating in 2027 with or expecting at least a 2:1 in a STEM, Economics, or another highly analytical degree (including Masters and PhD).
  • •Solve complex problems using data.
  • •Be curious, collaborative, and excited to learn new technologies.
  • •Ask questions, dig into data, and find better ways to solve problems.
  • •Have the full right to work in the UK with no limitations; Monzo cannot provide sponsorship for this role.
Experience:STEMEconomicsAnalyticsMachine learning
Skills:CollaborationCommunicationPresenting data analysisCuriosityProblem-solving
Tech Stack:SQLPythonMachine learningStatistical techniquesMacbook

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

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