Referrals Only - Senior Credit Analyst, Flex
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Requirements
• 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 • We're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our Data Progression Framework
Responsibilities
• As a Senior Credit Analyst, you’ll play a critical role in shaping Monzo’s credit strategy across credit card products. Your responsibilities will include: • 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 • Locations & flexible working • 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 should apply if • 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
Benefits
• 💰£76,500 to £95,000 + Incentive Awards tied to your performance + Benefits • ✈️ We can help you relocate to the UK • ✅ We can sponsor visas • 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). • ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. • 📚 Learning budget of £1,000 a year for books, training courses and conferences • ➕ And much more, see our full list of benefits here • #LI-LG1 #LI-Remote
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