Referrals Only - Credit Analyst

• Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk • Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights • Monitoring the performance of our existing strategies, and iterating to improve them • Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes • Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions • Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions • Supporting the design and roll-out of new products and customer journeys • Assessing how the lending portfolio of particular products will perform over time • How we work: • Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles. • We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable. • We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most. • Work the way that works for you at Monzo! 💼 • You should apply if: • You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.) • You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance • You have an understanding of lending economics and have experience developing and deploying underwriting strategies • You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus. • You have a working understanding of the regulations that apply to lending in the UK. • You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers • You are a strong communicator, able to cut through complex problems and articulate decision points • You have some experience in project management and coordination across teams • You work well collaborating in a team with diverse skill-sets and personality types • You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo • We're on the look out for Credit Analysts (L30) at the moment, you can read more in our Data Progression Framework • The interview process: • Our interview process involves 4 main stages: • Final stage (x3 interviews) consisting of a case study, role specific interview and collaboration interview • Our average process takes around 3-4 weeks but we will always work around your availability.