Lead Credit Analyst, Business Borrowing - Remote

Overview

The Lead Credit Analyst will be part of the growing Borrowing team at Monzo, focusing on credit risk functions to enhance business lending products for small and medium-sized enterprises.

In Short

• Lead initiatives for credit and pricing strategies for business lending products.
• Monitor and improve existing credit strategies.
• Support the design and rollout of new lending products.
• Collaborate with cross-functional teams to deliver initiatives.
• Develop credit models to forecast cash flows.
• Write credit proposals for underwriting policy.
• Analyze data to derive insights for lending strategies.
• Maintain databases for insights and decision-making.
• Assess performance of lending portfolios over time.
• Work in a dynamic team environment to improve products.

Requirements

• Expertise in lending products for small businesses.
• Understanding of business lending regulations and best practices.
• Experience in underwriting strategies and credit model development.
• Strong analytical skills with proficiency in SQL; Python and Looker are a plus.
• Dynamic personality with a focus on product improvement.
• Excellent communication skills to articulate complex problems.
• Experience in project management across teams.
• Ability to collaborate with diverse skill sets.
• Familiarity with UK lending regulations.
• Motivated to create a positive impact for customers.

Benefits

• Salary range of £92,500 to £125,000 plus stock options.
• Relocation assistance to the UK.
• Visa sponsorship available.
• Flexible working hours.
• Annual learning budget of £1,000 for professional development.
• Comprehensive benefits package.
• Opportunity to work remotely within the UK.
• Supportive and inclusive work environment.
• Focus on diversity and equal opportunities.
• Engaging team culture with a mission-driven approach.