Senior Credit Analyst, Flex

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🕒 April 29

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By Referrals Only

WebsiteLinkedInAll Job Openings

11 - 50 employees

🤝 B2B

📚 Education

🏠 Real Estate

B2B • Education • Real Estate

By Referrals Only is a business system designed to help professionals grow their businesses through referrals. Founded by Joe Stumpf, it offers a comprehensive program that includes coaching, certification courses, and various tools for marketing such as email and social media strategies. The company has established a community aimed at connecting members and providing ongoing support to enhance referral-based business practices, especially in the real estate sector.

📋 Description

• Play a critical role in shaping Monzo’s credit strategy across credit card products • 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 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 • 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 • Bonus points if you have: • Experience working in a regulated UK lending environment • Exposure to IFRS9, stress testing, or capital modelling • Experience in experimentation or strategy testing frameworks • Experience working on business lending products

🏖️ Benefits

• Incentive Awards tied to your performance • Flexible working hours • Learning budget of £1,000 a year for books, training courses and conferences • We can help you relocate to the UK • We can sponsor visas • And much more, see our full list of benefits here