Trader - Senior Analyst managing Global Capital Markets transactions at Validus. Responsibilities include monitoring client positions and executing trades in FX and Rates markets.
About the role
- 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.
- benefit options
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