Credit Analyst

About the role

<div class="content-intro"><p><strong><em>🚀 We’re on a mission to make money work for everyone.</em></strong></p> <p>We’re waving goodbye to the complicated and confusing ways of traditional banking.</p> <p>After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as <a href="https://monzo.com/current-account/personal">personal</a> and <a href="https://monzo.com/business-banking">business</a> bank accounts, we offer <a href="https://monzo.com/current-account/joint-account">joint accounts</a>, <a href="https://monzo.com/current-account/16-17">accounts for 16-17 year olds</a>, a <a href="https://monzo.com/current-account/under-16s">free kids account</a> and <a href="https://monzo.com/flex">credit cards</a> in the UK, with more exciting things to come beyond. Our UK customers can also <a href="https://monzo.com/savings">save</a>, <a href="https://monzo.com/investments">invest </a>and <a href="https://monzo.com/pensions">combine their pensions</a> with us. </p> <p>With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!</p> <p>We’re not about selling products - we want to solve problems and change lives through Monzo ❤️</p> <hr> <p> </p></div><p>📍London, Cardiff or Remote (UK)  | 💰 £59,100 to £79,900 + Incentive Awards tied to your performance +<a href="https://monzo.com/careers#benefits"> Benefits </a>| <a href="https://monzo.com/blog/how-each-role-in-borrowing-data-allows-us-to-think-big-and-innovate">Data Team, Borrowing </a></p> <p> </p> <p><strong>Our team ⭐</strong></p> <p>Our Borrowing collective is growing across Personal Loans and Financial Health. We’re building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money.</p> <p>Personal Loans provides simple, transparent borrowing, while Financial Health focuses on sustainable growth and better customer outcomes.</p> <p>As part of the team, you’ll develop and optimise unsecured credit risk and pricing strategies, partnering closely with Product, Engineering, and Data to build profitable portfolios and outstanding customer experiences.</p> <p>If you’re excited by data-led decision-making, experimentation, and shaping the future of modern lending, we’d love to hear from you.</p> <p> </p> <p><strong>🔑 You’ll play a key role by...</strong></p> <ul> <li>Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk</li> <li>Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights</li> <li>Monitoring the performance of our existing strategies, and iterating to improve them</li> <li>Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes</li> <li>Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions</li> <li>Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions</li> <li>Supporting the design and roll-out of new products and customer jou