Senior Credit Analyst

Monzo is building solutions that give customers greater control, transparency, and flexibility in how they manage their finances. We’re creating new lending products and enhancing existing ones to provide competitive, scalable, and responsible borrowing options.

• Design and refine credit underwriting and limit strategies to optimise risk and growth
• Analyse portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insights
• Build and interpret NPV and profitability models to inform strategic decisions
• 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 and strategy changes
• Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions
• Present clear, structured recommendations to senior stakeholders
• Support regulatory and governance requirements, ensuring strategies align with policy and risk appetite

• Experience in unsecured lending, ideally within credit cards
• Strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Modelling rewards cards is a plus.
• Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing)
• Strong analytical and data capabilities, backed by technical coding skills. SQL is required;
  Python and Looker are pluses.
• Experience working with NPV models, profitability analysis, and portfolio forecasting
• Confidence communicating complex analysis clearly to non‑technical stakeholders
• Experience collaborating cross‑functionally in a fast‑paced environment
• Interest in balancing risk, growth, and customer outcomes

Our main tech hub is in London, but data teams are based all over the UK. We support flexible, distributed working with occasional in‑person meetings.

• £76,500 to £95,000 + Incentive awards tied to performance
• Relocation assistance to the UK and visa sponsorship available
• Learning budget of £1,000 a year for books, training courses, and conferences
• Standard benefits package (health, dental, pension, etc.)

We are an equal‑opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity, or disability status.