Senior Credit Analyst

🕒 April 29

🇬🇧 United Kingdom – Remote

💵 £76.5k - £95k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

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Monzo Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2015

🏦 Banking

💳 Fintech

👥 B2C

Banking • Fintech • B2C

Monzo Bank is a digital bank based in the UK, known for its innovative app offering a wide range of personal banking services. It provides features such as fee-free spending abroad, automatic bill sorting, early salary payments, and round-up savings. Monzo offers various account types, including joint accounts, under 16s accounts, and savings pots with competitive interest rates. Customers can manage savings, investments, and pensions directly through the app, along with credit and loan options. Monzo emphasizes strong security features and customer support, making banking easy and accessible for its users.

📋 Description

• 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 • Partner with Product and Engineering teams to design and test new features and strategy changes • Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions • Present clear, structured recommendations to senior stakeholders • Support regulatory and governance requirements, ensuring strategies align with policy and risk appetite

🎯 Requirements

• Experience in unsecured lending, ideally within credit cards • A 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, 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 • Confidence communicating complex analysis clearly to non-technical stakeholders • Experience collaborating cross-functionally in a fast-paced environment • An interest in balancing risk, growth, and customer outcomes

🏖️ Benefits

• Incentive Awards tied to your performance • Relocation assistance to the UK • Visa sponsorship • Flexible working hours • Learning budget of £1,000 a year for books, training courses and conferences • Comprehensive benefits package