Work on initiatives to improve credit underwriting, boost growth and/or manage portfolio risk
Support the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
Monitor the performance of existing strategies, and iterate to improve them
Work alongside people from engineering, marketing, product, risk and control to design and deliver product changes
Develop, maintain and monitor credit models to assess net present value of new lending cohorts to drive strategic business decisions
Build and maintain database tables and dashboards that provide insights and promote rapid, data-driven decisions
Support the design and roll-out of new products and customer journeys
Assess how the lending portfolio of particular products will perform over time

Experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.)
Understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
Understanding of lending economics and experience developing and deploying underwriting strategies
Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have
Working understanding of the regulations that apply to lending in the UK
Thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
Strong communicator, able to cut through complex problems and articulate decision points
Some experience in project management and coordination across teams
Work well collaborating in a team with diverse skill-sets and personality types
Highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

Hybrid — London, UK

Role can be based in London office or remote within the UK
Ad hoc meetings in London
Flexible working hours
Employees are given Macbooks
Extra support for work-from-home setup for fully remote workers
Application process: Recruiter call, Initial call, Final stage (3 interviews: case study, role specific interview, collaboration interview)
Process duration: around 3-4 weeks
AI guidelines available for applicants

Visa sponsorship available

Monzo is hiring a Credit Analyst