Lead Credit Specialist

5 days ago


Cardiff, Cardiff, United Kingdom Monzo Full time
Job Title: Monzo Lending Analyst

We are seeking an experienced lending analyst to join our team at Monzo. As a Lending Analyst, you will be responsible for:

  • Providing data-driven insights to inform lending strategies and credit underwriting decisions.
  • Analyzing data to identify trends and opportunities for improvement in our lending portfolios.
  • Collaborating with cross-functional teams to develop and refine our credit models and portfolio management frameworks.
  • Developing and maintaining our database tables and dashboards to provide timely and accurate insights.

You will thrive in this role if you have a deep understanding of lending economics, extensive experience in unsecured retail lending, and strong analytical and data capabilities. SQL is a must-have, and Python and Looker experience is highly desirable.

Requirements
  • Extensive experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.).
  • Deep understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance.
  • Deep understanding of lending economics and experience developing and deploying underwriting strategies and credit models.
  • Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
What's in it for you?

We offer a competitive salary of £95,000 - £115,000 per annum, depending on experience. We also offer a range of benefits, including flexible working hours, a learning budget of £1,000 a year for books, training courses and conferences, and much more. We can help you relocate to the UK and sponsor visas. This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).



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