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Job Description
Monzo is seeking a Senior Credit Analyst to join their Borrowing team. This role involves developing credit and pricing strategies for unsecured lending products, such as Flex, personal loans, or overdrafts. The Senior Credit Analyst will collaborate with various teams to build profitable lending portfolios and enhance customer products.
Role involves:
- Improving credit underwriting.
- Designing and rolling out new lending strategies.
- Monitoring and improving existing strategies.
- Designing and delivering product changes.
- Developing and maintaining 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.
Requirements:
- Experience in unsecured retail lending.
- Understanding of the unsecured retail lending market.
- Understanding of lending economics.
- Strong analytical and data capabilities (SQL is a must-have, Python and Looker experience is a plus).
- Understanding of UK lending regulations.
- Ability to thrive in a fast-paced environment.
- Strong communication skills.
- Project management experience.
- Collaborative team player.
- Highly motivated.
Monzo offers:
- £69,000 to £95,000 salary plus stock options and benefits.
- Relocation assistance to the UK.
- Visa sponsorship.
- Flexible working hours.
- £1,000 annual learning budget.
