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Join Monzo as a Credit Analyst based in London, Cardiff, or remotely across the UK. Monzo is a forward-thinking digital bank on a mission to make money accessible and easy for all. Over the past decade, Monzo has evolved from offering prepaid cards to an extensive range of personal and business banking products, including credit cards, savings, investments, and pensions. As a Credit Analyst within Monzo's Borrowing team, you will focus on developing and refining unsecured credit risk and pricing strategies. Your daily work will involve analyzing lending portfolios, monitoring credit models, and collaborating with product, engineering, and marketing teams to optimize customer experiences and portfolio profitability.
The ideal candidate will bring hands-on experience in unsecured retail lending, strong analytical skills including proficiency in SQL, and a solid understanding of UK lending regulations. You will thrive in a dynamic environment, have effective communication skills, and be motivated by delivering responsible lending solutions. London's vibrant fintech scene offers a fertile ground for innovative banking solutions like those Monzo provides. This role plays a crucial part in advancing responsible lending practices that benefit customers across the UK. The position offers a competitive salary between £59,100 and £79,900 plus performance-based incentives and a comprehensive benefits package. Career progression within data and credit risk roles at Monzo is supported by structured frameworks and learning opportunities. To stand out, highlight your experience with credit underwriting and data-driven decision-making, emphasizing projects where you improved lending strategies or portfolio performance. Demonstrate your technical skills in SQL and any experience with Python or data visualization tools. Apply for the Credit Analyst role at Monzo and contribute to shaping modern, transparent lending products. The application process includes a recruiter call, initial call, and a multi-stage final interview. Embrace this opportunity to impact financial services in the UK. We welcome your application at your earliest convenience.
EssentialNice to have below
Performance incentive awards, flexible working hours, visa sponsorship, £1,000 annual learning budget, remote work setup support, MacBook provision
Monzo is a UK-based digital bank focused on simplifying banking and providing innovative financial products for personal and business customers.
Location
FAQs
What experience is required for the Credit Analyst role at Monzo in London?
Candidates should have experience in unsecured retail lending such as personal loans, credit cards, or overdrafts, along with knowledge of lending economics and UK regulations.
Is remote work allowed for the Credit Analyst position at Monzo?
Yes, the role offers flexible working arrangements including remote work anywhere in the UK, with occasional meetings in London.
What is the salary range for the Credit Analyst role at Monzo?
The salary ranges from £59,100 to £79,900 annually, plus performance-based incentive awards and additional benefits.
How long does the application process take for this role?
The recruitment process typically spans 3 to 4 weeks and includes a recruiter call, initial interview, and a final stage with multiple interviews and a case study.
Are there visa sponsorship opportunities for this role?
Yes, Monzo offers visa sponsorship for eligible candidates applying for this position.
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