Credit Analyst

We're on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo. Our Borrowing collective is growing across Personal Loans and Financial Health. We’re building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money. Personal Loans provides simple, transparent borrowing, while Financial Health focuses on sustainable growth and better customer outcomes. As part of the team, you’ll develop and optimise unsecured credit risk and pricing strategies, partnering closely with Product, Engineering, and Data to build profitable portfolios and outstanding customer experiences. If you’re excited by data-led decision-making, experimentation, and shaping the future of modern lending, we’d love to hear from you. Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk. Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights. Monitoring the performance of our existing strategies, and iterating to improve them. Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes. Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions. Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions. Supporting the design and roll-out of new products and customer journeys. Assessing how the lending portfolio of particular products will perform over time.