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Join Monzo as a Senior Credit Analyst working from London, Cardiff, or remotely within the UK. Monzo is a forward-thinking digital bank transforming traditional banking with a wide range of products including personal and business accounts, credit cards, and innovative saving and investment options. This role offers a unique opportunity to influence credit strategies and lending performance within a dynamic and growing financial services environment. In this role, you will analyse credit card portfolios to optimise underwriting and limit strategies, evaluate performance metrics such as arrears, utilisation, and revenue, and develop profitability models that guide strategic decisions. You will conduct deep dives into portfolio trends and collaborate closely with Product, Engineering, and Risk teams to design and test new lending features, ensuring customer-centric and commercially viable outcomes.
Your insights will support regulatory compliance and governance frameworks. You’ll thrive in this role if you bring experience in unsecured lending, particularly credit cards, with a solid grasp of credit card economics and strategy development. Proficiency in SQL is essential, while skills in Python and Looker are advantageous. Confidence in communicating complex data to varied stakeholders and working cross-functionally in a fast-paced setting is key. This is a full-time position offering flexible working arrangements to suit your lifestyle. London’s status as a leading financial hub provides an exciting backdrop for this role, where data-driven credit strategies are essential to maintaining competitive and responsible lending practices. Monzo’s commitment to innovation and customer empowerment reflects the evolving fintech landscape in the UK. The salary range of £76,500 to £108,100 is complemented by performance-based incentive awards and a comprehensive benefits package, including learning budgets and remote work support. This role offers substantial career growth opportunities within fintech and banking sectors. To stand out, emphasise your experience with credit portfolio analytics, model development, and cross-team collaboration. Highlight specific achievements in credit strategy implementation and be ready to discuss how you balance risk with customer outcomes. Apply for the Senior Credit Analyst role at Monzo to contribute to shaping innovative lending solutions in the UK banking sector. The recruitment process includes a recruiter call, initial interview, and a final stage with multiple interview formats. Flexible scheduling is offered throughout the process to accommodate your needs.
EssentialNice to have below
Performance-based incentive awards, flexible working hours, visa sponsorship, relocation assistance, £1,000 annual learning budget, remote work setup support, Macbook provided
Monzo is a UK-based digital bank focused on simplifying banking and providing innovative financial products for personal and business customers.
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FAQs
What experience is required for the Senior Credit Analyst role at Monzo?
Candidates should have experience in unsecured lending, especially with credit cards, and a strong understanding of credit card economics and strategy development.
Is this Senior Credit Analyst position at Monzo remote?
This role offers flexible working arrangements including the option to work remotely anywhere within the UK, with occasional meetings in London.
What is the salary range for the Senior Credit Analyst at Monzo?
The salary ranges from £76,500 to £108,100, with additional performance-related incentive awards and benefits.
How long does the Monzo application process take for this role?
The recruitment process typically spans 3 to 4 weeks, including a recruiter call, initial interview, and a final stage with multiple interviews and a case study.
Are visa sponsorship and relocation assistance available for this role?
Yes, Monzo provides visa sponsorship and can assist with relocation for successful candidates.
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