Credit Analyst at Monzo focusing on developing credit and pricing strategies for the Flex product. Using data to enhance credit underwriting and manage portfolio risk.
Responsibilities
Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
Monitoring the performance of our existing strategies, and iterating to improve them
Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes
Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions
Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions
Supporting the design and roll-out of new products and customer journeys
Assessing how the lending portfolio of particular products will perform over time
Requirements
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 have experience developing and deploying underwriting strategies
strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
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
Benefits
stock options
Learning budget of £1,000 a year for books, training courses and conferences
flexible working hours
trust you to work enough hours to do your job well, at times that suit you and your team.
Senior Analyst managing inventories for manufactured and purchased goods at Beckman Coulter Diagnostics. Collaborating across regions for planning excellence in supply chain processes.
Senior Insight Analyst at Yodeck turning complex data into strategic business insights. Collaborating with teams across Marketing, Revenue, and Customer Success in a fast - growing SaaS environment.
Cybersecurity Analyst at Iberdrola enhancing threat detection strategies. Working within a global team to address cybersecurity challenges across diverse technological environments.
A2R Analyst I managing General Ledger for financial records at Vestas. Engaging with various stakeholders to ensure proper financial reporting and compliance within an inspiring work environment.
Permit Analyst facilitating the review and processing of permits at Sunshine Enterprise USA LLC. Customer - focused role ideal for candidates with administrative and customer service experience.
Research Analyst delivering high - quality market insight supporting client decision - making at Euromonitor. Collaborating with teams to produce accurate data and develop local insight content.
In - Process QC Analyst performing tests on materials to ensure quality in pharmaceutical manufacturing. Requires a degree in Chemistry and laboratory experience, based in Boulder, CO.
In - Process QC Analyst conducting laboratory tests for quality control in a leading CDMO specializing in pharmaceuticals. Responsible for analysis and training in laboratory settings.
Income Tracking Analyst at Warner Music Group managing revenue tracking support and administrative tasks in Asia Pacific region for publishing functions.
Clearing and Settlement Analyst supporting Trade Services processes like securities transfers and reconciliations in Bangalore. Seeking candidates with German language skills and a flexible work approach.