Credit Analyst

Job not on LinkedIn

🔥 1 hour ago

🇬🇧 United Kingdom – Remote

💵 £59.1k - £79.9k / year

⏰ Full Time

🟡 Mid-level

🟠 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

• Work on initiatives to improve credit underwriting, boost growth and/or manage portfolio risk • Support the design and rollout of new lending strategies by identifying data patterns and translating them into insights • Monitor existing strategy performance and iterate to improve it • Collaborate with engineering, marketing, product, risk and control teams to design and deliver product changes • Develop, maintain and monitor credit models assessing the net present value of new lending cohorts • Build and maintain database tables and dashboards for rapid, data-driven decisions • Support the design and rollout of new products and customer journeys • Assess how lending portfolios for particular products will perform over time

🎯 Requirements

• Experience in unsecured retail lending, such as personal loans, credit cards, overdrafts or buy now pay later • Understanding of the unsecured retail lending market and pricing dynamics’ impact on portfolio performance • Understanding of lending economics • Experience developing and deploying underwriting strategies • Strong analytical and data capabilities • Technical coding skills • SQL is a must-have • Python and Looker experience is a plus • Working understanding of UK lending regulations • Ability to work in a fast-paced environment and ship product changes • Strong communication skills and ability to articulate decision points • Some project management and cross-team coordination experience • Ability to collaborate with diverse teams • Visa sponsorship may be available

🏖️ Benefits

• Incentive awards tied to your performance • Benefits package • Visa sponsorship • Flexible working hours • Learning budget of £1,000 a year for books, training courses and conferences • Macbook for all employees • Extra support for fully remote workers’ work-from-home setup • Wellbeing and flexible working support • Ad hoc meetings in London