Credit Analyst

🕒 March 31

🇬🇧 United Kingdom – Remote

💵 £55k - £77k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

🇬🇧 UK Skilled Worker Visa Sponsor

This company has sponsored UK Skilled Worker visas in the past.

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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

• Working on initiatives to improve credit underwriting, boost growth and/or manage portfolio risk • Supporting the design and roll-out of new lending strategies by finding patterns in data and translating them into insights • Monitoring performance of existing strategies, and iterating for improvement • Working alongside engineers, marketers, product teams, risk and control to design product changes • Developing, maintaining and monitoring credit models to assess net present value of new lending cohorts • Building and maintaining database tables and dashboards for insights and rapid, data-driven decisions • Supporting design and roll-out of new products and customer journeys • Assessing how lending portfolio of particular products will perform over time

🎯 Requirements

• Experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later) • Understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance • Understanding of lending economics and experience developing and deploying underwriting strategies • Strong analytical and data capabilities, backed up by technical coding skills (SQL is a must-have, Python and Looker experience is a plus) • Working understanding of the regulations that apply to lending in the UK • Thrive in a fast-paced environment and keen to improve products and help ship changes to customers • Strong communicator, able to articulate decision points • Some experience in project management and coordination across teams • Collaborate well in a team with diverse skills and personalities • Highly motivated and energized by bringing positive impact to customers and Monzo

🏖️ Benefits

• Learning budget of £1,000 a year for books, training courses and conferences • Flexibility in work hours • We can sponsor visas • Benefits listed at the company’s careers page