Credit Analyst
MonzoDigital Banking company
London, United Kingdom£59,100 to £79,900Senior
CapitalG
GIC
Tencent
Google Ventures
Ribbit Capital
Passion Capital
Data & AI
About the role
TL;DR
Analyze credit risk and pricing strategies for lending products.
- •Monzo is seeking a Credit Analyst to join their Borrowing collective, focusing on developing and optimizing credit risk and pricing strategies for personal loans and financial health products.
- •You will partner with Product, Engineering, and Data teams to build profitable portfolios and enhance customer experiences.
- •Key Responsibilities Improve credit underwriting, boost growth, and manage portfolio risk.
- •Analyze data to identify patterns and translate them into insights for new lending strategies.
- •Monitor and iterate on existing strategy performance.
- •Collaborate with cross-functional teams including engineering, marketing, product, and risk.
- •Develop and maintain credit models to assess lending cohort performance and drive business decisions.
- •Requirements Experience in unsecured retail lending (personal loans, credit cards, BNPL, etc.).
- •Understanding of unsecured retail lending market dynamics and pricing impacts.
- •Experience developing and deploying underwriting strategies.
- •Strong analytical and data capabilities with SQL (must-have), Python, and Looker (plus).
- •Working understanding of UK lending regulations.
Required skills
SQLPythonLookerExcel
Domain expertise
fintech
Benefits & perks
Incentive Awards, Visa Sponsorship, Flexible working hours, Learning budget, Home office setup support
Tech stack
SQLPythonLookerExcel