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Salary: GBP 76,500 - 108,100 / annual
Monzo is a UK-based fintech company on a mission to make money work for everyone, offering personal and business bank accounts, credit cards, savings, investments, and pensions. The Borrowing business is growing rapidly across credit cards, loans, and emerging lending products.
As a Senior Credit Analyst, you will play a critical role in shaping Monzo's credit strategy across credit card products. You'll operate at the intersection of credit risk, commercial performance, and customer experience, working in a high-impact, cross-functional environment with Product, Engineering, Data Science, Finance, and Risk & Control teams.
Key responsibilities include:
- Design and refine credit underwriting and limit strategies to optimize risk and growth
- Analyze portfolio performance (arrears, utilization, 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
You should have experience in unsecured lending, ideally within credit cards, with a strong understanding of credit card economics (APR, utilization, interchange, revolving behavior, cost of funds, losses). Experience building or influencing credit strategies (underwriting, limit management, pricing) is essential. Strong analytical and data capabilities are required, with SQL as a must-have; Python and Looker experience is a plus. Experience with NPV models, profitability analysis, and portfolio forecasting is valued.
Monzo's main tech hub is in London, with data teams across the UK. The company values flexibility and wellbeing, with no pressure to come into the office even if nearby. You'll have the freedom to work in a way that fits your life.
