Lead Credit Strategy Analyst
3 weeks ago
We are seeking a highly skilled Lead Credit Strategy Analyst to drive the success of Monzo's borrowing propositions. This role involves leading initiatives to improve credit underwriting, supporting new lending strategies, and collaborating across teams to build profitable lending portfolios and amazing products for customers.
Key Responsibilities:- Leading initiatives to improve credit underwriting, boost growth and/or manage portfolio risk.
- Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights.
- Monitoring the performance of our existing strategies, and iterating to improve them.
- Collaborating with people from engineering, marketing, product, risk and control to design and deliver product changes.
- Developing our credit control and portfolio management frameworks to support our growing portfolios.
- Developing, maintaining and refining our credit models to assess net present value of new lending cohorts to drive strategic business decisions.
- Building, maintaining and owning the database tables and dashboards that provide insights and promote rapid, data-driven decisions.
- 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.
- Thrive in a fast-paced environment and keen for the chance to improve our products and help ship changes to our customers.
- Experience in project management and coordination across teams.
- A competitive salary of £80,000 - £100,000 per annum, depending on experience.
- Flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.
- Learning budget of £1,000 a year for books, training courses and conferences.
- 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).
-
Credit Strategy Lead
4 weeks ago
Cardiff, Cardiff, United Kingdom Monzo Full timeJob OverviewWe are seeking an experienced Credit Strategy Lead to drive the success of Monzo's borrowing propositions. This role is a key position in our lending team, responsible for leading initiatives to improve credit underwriting, supporting new lending strategies, and collaborating across teams to build profitable lending portfolios and amazing...
-
Lead Credit Specialist
4 weeks ago
Cardiff, Cardiff, United Kingdom Monzo Full timeJob Title: Monzo Lending AnalystWe 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...
-
Business Banking Credit Strategy Manager
1 month ago
Cardiff, Cardiff, United Kingdom Monzo Full timeWe're shaping the future of banking at Monzo. Our mission is to make a positive impact on our customers' lives by providing innovative financial solutions. As a Business Banking Credit Strategy Manager, you'll play a key role in designing and implementing credit strategies for our business lending products.About the RoleLocation: London or Remote (UK)Salary:...
-
Financial Analyst
3 weeks ago
Cardiff, Cardiff, United Kingdom Admiral Careers Full timeAdmiral Careers is a close-knit fintech environment where you can make a real impact on credit risk strategy. Our mission is to become the UK's most trusted financial services company.About the RoleIn this role, you will work closely with our ambitious fintech team to develop and implement innovative credit risk management strategies. Your analytical...
-
Senior Credit Risk Strategist
4 weeks ago
Cardiff, Cardiff, United Kingdom Harnham Full timeJob OverviewWe are seeking a seasoned Senior Credit Risk Analyst to join our close-knit and focused team at Harnham. This is an exceptional opportunity to work across a range of projects, driving profitability and enhancing lending policy.The ideal candidate will have experience in consumer lending, with prior expertise in developing credit risk models and...
-
Credit Risk Manager
1 month ago
Cardiff, Cardiff, United Kingdom Monzo Full timeWe are seeking a highly skilled Credit Risk Manager to drive the success of our borrowing propositions. This role will involve leading initiatives to improve credit underwriting, supporting new lending strategies, and collaborating across teams to build profitable lending portfolios.Key Responsibilities:Leading initiatives to improve credit underwriting and...
-
Data Analyst Position
4 weeks ago
Cardiff, Cardiff, United Kingdom Wales Medicines Strategy Group Full timeWe are seeking an experienced Data Analyst to join our Neuroscience Research Unit team at Wales Medicines Strategy Group. As a data-driven organization, we strive to make informed decisions that drive positive outcomes for our patients and community.The successful candidate will be responsible for managing procedural data, developing and maintaining...
-
Head of Credit Portfolio Management
3 weeks ago
Cardiff, Cardiff, United Kingdom Monzo Full timeMonzo is seeking a Head of Credit Portfolio Management to lead our lending strategy team. As a key member of our leadership team, you will play a crucial role in driving the success of our borrowing propositions. Your responsibilities will include leading initiatives to improve credit underwriting, supporting new lending strategies, and collaborating across...
-
Credit Risk Strategist
4 weeks ago
Cardiff, Cardiff, United Kingdom Admiral Careers Full timeAbout the RoleWe are seeking an experienced credit risk professional to join our ambitious fintech team. As a key member of our lending solutions team, you will leverage your analytical expertise to shape strategic lending decisions and credit risk models.In this role, you will perform in-depth analysis on portfolio trends and market data to identify...
-
Credit Risk Expert
1 month ago
Cardiff, Cardiff, United Kingdom Monzo Full timeWe're looking for an experienced Financial Institution Risk Manager to join our credit risk team at Monzo. In this role, you'll design and implement credit strategies for our business lending products, ensuring they align with our company's goals and regulatory requirements.About the RoleLocation: London or Remote (UK)Salary: £92,000 to £127,000 + Options...
-
Financial Risk Management Expert
4 weeks ago
Cardiff, Cardiff, United Kingdom Harnham Full timeJob SummaryHarnham is a global lender looking for a talented Senior Credit Risk Analyst to help drive growth and success. As a key member of our team, you will play a critical role in shaping our lending strategy and ensuring the highest standards of risk management.This is an exciting opportunity to develop your skills and expertise in credit risk analysis,...
-
Lead Underwriting Specialist
1 month ago
Cardiff, Cardiff, United Kingdom Monzo Full timeWe are looking for a talented Lead Underwriting Specialist to join our team. As a key member of our lending team, you will be responsible for driving the success of our borrowing propositions by leading initiatives to improve credit underwriting and supporting new lending strategies.Key Responsibilities:Leading initiatives to improve credit underwriting,...
-
Senior Lending Specialist
4 weeks ago
Cardiff, Cardiff, United Kingdom Monzo Full timeAbout the RoleWe're looking for an experienced Senior Credit Strategy Analyst to work with us in Cardiff, London, or remotely within the UK. You'll be part of a fast-paced environment where you'll develop underwriting strategies and drive the success of our borrowing propositions.
-
Business Lending Specialist
3 weeks ago
Cardiff, Cardiff, United Kingdom Monzo Full timeCredit Risk Business ManagerWe're committed to transforming the way people interact with their money. At Monzo, we're passionate about creating innovative financial solutions that make a real difference in people's lives.We're not just another bank – we're a forward-thinking company that's redefining the banking experience. Our goal is to empower...
-
Credit Risk Expert
1 month ago
Cardiff, Cardiff, United Kingdom Monzo Full timeJob DescriptionWe're looking for a highly motivated and analytical Credit Risk Expert to join our unsecured lending team. The successful candidate will have experience in unsecured retail lending and a deep understanding of how the market works, including the impact of pricing dynamics on portfolio performance.In this role, you will work on initiatives to...
-
Strategy and Development Manager
1 month ago
Cardiff, Cardiff, United Kingdom Cyngor CaerdyddCardiff Council Full timeCyngor Caerdydd/Cardiff Council is seeking an experienced Strategy and Development Manager to join our Strategy & Development Team.About the RoleThe successful candidate will be responsible for developing and implementing strategies to deliver circular procurement and carbon reduction initiatives across Ardal Councils.Developing and implementing strategies...
-
Monzo Lending Analyst
4 weeks ago
Cardiff, Cardiff, United Kingdom Monzo Full timeJob DescriptionAs a Lead Credit Specialist, you will play a key role in driving the success of Monzo's borrowing propositions. Your primary responsibilities will include:Leading initiatives to improve credit underwriting and portfolio risk management.Supporting the design and implementation of new lending strategies by analyzing data and providing...
-
Digital Strategy Lead
4 weeks ago
Cardiff, Cardiff, United Kingdom Yolk Recruitment Ltd Full timeAbout the Role: We are seeking a highly skilled Digital Strategy Lead to drive our marketing efforts forward. With a competitive salary starting at £55,000 - £70,000 p/a + bonus, this role offers the perfect blend of creativity and strategic thinking.The ideal candidate will have extensive experience in digital marketing, with a proven track record of...
-
Financial Strategy Director
3 weeks ago
Cardiff, Cardiff, United Kingdom Yolk Recruitment Ltd Full timeJob Title: Financial Strategy DirectorSalary: £90,000 - £120,000 per annumThe successful candidate will be responsible for leading the Group's Treasury, Tax, and Enterprise Risk Management functions. This is a pivotal role within our finance team, where you'll collaborate with internal and external stakeholders to drive our tax strategy, treasury policy,...
-
Environmental Data Analyst Lead
4 weeks ago
Cardiff, Cardiff, United Kingdom Yolk Recruitment Full timeJob Title: Environmental Data Analyst LeadAre you a highly analytical individual looking for a new challenge? We have an exciting opportunity for an Environmental Data Analyst Lead to join our team at Yolk Recruitment.About the Role:Responsibilities:Gathering and analysing environmental data from various sourcesDeveloping and maintaining robust reporting...