Credit Analyst - Data-Driven Lending & Portfolio Risk

Monzo; Greater London; Hybrid; GBP 59,000 - 80,000; Full time

Benefits offered by this job

Visa sponsorship

Flexible working hours

Learning budget £1,000

Macbooks for all employees

Home office setup support

Job summary

Monzo is hiring for a data-driven role in the Borrowing team to optimise unsecured lending products in the UK, including personal loans and related portfolios. You’ll influence credit underwriting, pricing dynamics and portfolio performance through rigorous analysis and data-led decision making.

Join a team that collaborates across Product, Engineering and Data to deliver profitable portfolios while focusing on customer outcomes and responsible lending.

Qualifications

• Strong analytical and data capabilities with technical coding skills.
• SQL is a must-have; Python and Looker experience is a plus.

Responsibilities

• Improve credit underwriting and portfolio risk through data insights.
• Design and roll out lending strategies by translating data patterns into insights.
• Monitor performance of strategies and iterate to improve them.
• Collaborate with engineering, product, risk and marketing to implement changes.
• Develop, maintain and monitor credit models to assess portfolio value.

Skills

SQL

Python

Looker

Tools

Looker

Job description

Monzo is hiring for a data-driven role in the Borrowing team to optimise unsecured lending products in the UK, including personal loans and related portfolios. You’ll influence credit underwriting, pricing dynamics and portfolio performance through rigorous analysis and data-led decision making.

Join a team that collaborates across Product, Engineering and Data to deliver profitable portfolios while focusing on customer outcomes and responsible lending.