Senior Credit Analyst — Remote Credit Strategy & Analytics

InforCapital; Greater London; Hybrid; GBP 77,000 - 108,000; Full time

Benefits offered by this job

Relocation assistance

Visa sponsorship

Flexible hours

Learning budget

Job summary

Monzo is seeking a Senior Credit Analyst to shape credit strategy for our card portfolio. You will design underwriting, monitor performance, and support data-driven decisions across Product, Engineering, Data Science, Finance and Risk. This role emphasizes risk, growth, and customer outcomes.

You’ll work in a cross-functional, fast-paced environment with national teams and flexible in-office/remote arrangements across the UK.

Qualifications

• Experience in unsecured lending, ideally within credit cards.
• Strong analytical and data capabilities, backed up by technical coding skills.
• Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing).
• Experience with: NPV models, profitability analysis, and portfolio forecasting.
• Excellent communication of complex analysis to non-technical stakeholders.

Responsibilities

• Design and refine credit underwriting and limit strategies to optimise risk and growth.
• Analyse portfolio performance (arrears, utilization, revenue, losses, vintage curves) and identify insights.
• Build and interpret NPV and profitability models to inform decisions.
• Develop segmentation frameworks to identify revenue and risk pressure points.
• Lead deep-dives into portfolio trends and emerging risks.
• Partner with Product and Engineering to test new features and strategy changes.
• Evaluate pricing, eligibility, and limit decisions for commercial impact.
• Present recommendations to senior stakeholders.
• Support regulatory and governance requirements aligning with policy and risk appetite.

Skills

SQL

Tools

Looker

Python

Job description

Monzo is seeking a Senior Credit Analyst to shape credit strategy for our card portfolio. You will design underwriting, monitor performance, and support data-driven decisions across Product, Engineering, Data Science, Finance and Risk. This role emphasizes risk, growth, and customer outcomes.

You’ll work in a cross-functional, fast-paced environment with national teams and flexible in-office/remote arrangements across the UK.