Senior Credit Analyst

Position:
Senior Credit Analyst

Company:
Monzo

Compensation:
£76,500 to £108,100 + Incentive Awards tied to your performance + Benefits

Location:
UK (London, Cardiff or Remote)

Employment type:
Not specified

Work Arrangement:
Remote or in-office

Short Summary:
Monzo is on a mission to simplify banking and enhance financial control for customers. The Senior Credit Analyst will shape Monzo’s credit strategy, focusing on credit card products and working in a cross-functional environment to drive growth and customer satisfaction.

Responsibilities:
- Design and refine credit underwriting and limit strategies to optimise risk and growth
- Analyse portfolio performance and identify actionable insights
- Build and interpret NPV and profitability models
- 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
- Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions
- Present clear recommendations to senior stakeholders
- Support regulatory and governance requirements

Requirement:
- Experience in unsecured lending, ideally within credit cards
- Strong understanding of credit card economics
- Experience building or influencing credit strategies
- Strong analytical and data capabilities, with technical coding skills (SQL required, Python and Looker preferred)
- Experience with NPV models, profitability analysis, and portfolio forecasting
- Confidence in communicating complex analysis to non-technical stakeholders
- Experience collaborating cross-functionally in a fast-paced environment

Benefits:
- £1,000 annual learning budget for books, training courses, and conferences
- Support for remote work setup, including Macbooks
- Flexible working hours
- Relocation assistance and visa sponsorship available
- Additional benefits available in the full list