Lead Credit Analyst, Personal Borrowing - Remote

Overview

The Lead Credit Analyst for Personal Borrowing will be responsible for developing credit and pricing strategies for unsecured lending products, driving the success of Monzo's borrowing propositions.

In Short

• Lead initiatives to improve credit underwriting and manage portfolio risk.
• Support the design and roll-out of new lending strategies.
• Monitor and iterate existing strategies for performance improvement.
• Collaborate across teams to deliver product changes.
• Develop credit control and portfolio management frameworks.
• Refine credit models for strategic business decisions.
• Own database tables and dashboards for data-driven insights.
• Support new product and customer journey designs.
• Assess lending portfolio performance over time.
• Mentor junior team members.

Requirements

• Extensive experience in unsecured retail lending.
• Deep understanding of the unsecured retail lending market.
• Experience in developing underwriting strategies and credit models.
• Strong analytical skills with technical coding knowledge (SQL required, Python and Looker preferred).
• Understanding of UK lending regulations.
• Ability to thrive in a fast-paced environment.
• Strong communication skills for articulating complex decisions.
• Experience in project management and team coordination.
• Ability to collaborate with diverse teams.
• Motivated to bring positive impact to customers.

Benefits

• Salary range of £92,500 to £125,000 + stock options.
• Relocation assistance to the UK.
• Visa sponsorship available.
• Flexible working hours.
• Learning budget of £1,000 per year.
• Comprehensive benefits package.