Clash
of Jobs
Browse All Jobs
Job Description
Monzo is seeking a Lead Credit Analyst to join their Borrowing team. This role involves developing credit and pricing strategies for unsecured lending products, contributing to the growth of Monzo's borrowing propositions. The Lead Credit Analyst will collaborate with various teams to build profitable lending portfolios and enhance customer experience.
Role involves:
- Leading initiatives to improve credit underwriting and manage portfolio risk.
- Designing and rolling out new lending strategies based on data insights.
- Monitoring and improving existing strategies.
- Collaborating with engineering, marketing, product, risk, and control teams.
- Developing credit control and portfolio management frameworks.
- Developing and refining credit models.
- Building and maintaining database tables and dashboards.
- Supporting the design and roll-out of new products and customer journeys.
- Assessing lending portfolio performance.
- Mentoring junior team members.
Requirements:
- Extensive experience in unsecured retail lending.
- Deep understanding of the unsecured retail lending market and lending economics.
- Experience developing and deploying underwriting strategies and credit models.
- Strong analytical and data capabilities with technical coding skills (SQL required, Python and Looker a plus).
- Strong understanding of UK lending regulations.
- Ability to thrive in a fast-paced environment.
- Strong communication and project management skills.
What Monzo offers:
- Relocation assistance to the UK and visa sponsorship.
- Flexible working hours.
- Learning budget of £1,000 a year.
