Monzo is hiring a Credit Analyst

🚀 We're revolutionizing banking with innovative financial solutions. Our financial ecosystem has rapidly expanded over the past decade in the UK. We provide comprehensive banking services including personal and business accounts, joint accounts, teen and children's accounts, and credit offerings. Our UK customers can save, invest, and manage pensions with us. Our distinctive coral cards and early wage access, combined with engaging financial education and outstanding customer support, create magical customer experiences. We're committed to solving financial challenges and transforming lives through our innovative approach ❤️ 📍London or Remote (UK) | 💰 £55,000 to £77,000 + Options + Benefits | Data Team, Borrowing Our Team: Our Borrowing segment is expanding across existing and emerging products. We aim to generate positive personal credit experiences by seeking analytical and creative professionals to drive our mission. With expertise in unsecured retail credit strategies, you'll help develop profitable lending portfolios and exceptional customer products. You'll be responsible for credit and pricing strategies across our lending platforms. Your Day-to-Day: - Improving credit underwriting initiatives - Supporting new lending strategy design - Monitoring existing strategy performance - Collaborating across engineering, marketing, product, and risk teams - Developing and maintaining credit models - Building insightful database dashboards - Assessing lending portfolio performance You Should Apply If: - Experienced in unsecured retail lending - Understanding of lending market dynamics - Strong analytical and technical skills - Proficient in SQL, preferably with Python and Looker experience - Familiar with UK lending regulations - Thrive in fast-paced environments - Strong communication abilities - Project management experience - Team collaboration skills - Motivated to create positive customer impact Interview Process: 1. Recruiter call 2. Initial conversation 3. Take-home task 4. Final stage (3 interviews: case study, role-specific, values assessment) Average process duration: 3-4 weeks What's Included: 💰 £55,000 to £77,000 + stock options ✈️ UK relocation support ✅ Visa sponsorship 📍 Flexible UK-based work ⏰ Adaptable working hours 📚 £1,000 annual learning budget Equal Opportunities: We're committed to diversity and inclusion, creating an environment where everyone can excel. We welcome applicants regardless of background, ensuring fair consideration for all.