Senior Credit Analyst

Overview

In this role you shape Monzo’s credit strategy for credit card products, balancing risk and growth. You will work across Product, Engineering, Data Science, Finance and Risk to ensure competitive, scalable lending with strong customer outcomes. You’ll analyze portfolio performance, refine underwriting and pricing, and translate insights into actionable recommendations for senior stakeholders. This position combines analytical rigor with cross-functional collaboration to drive responsible, profitable lending.

Pay / Benefits

• Relocation support
• Visa sponsorship
• Flexible working hours
• Learning budget of 1000 per year
• Macbooks provided
• Home office setup support for remote workers

Responsibilities

• Design and refine credit underwriting and limit strategies to optimise risk and growth
• Analyse portfolio performance (arrears, utilisation, 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

Key requirements

• experience in unsecured lending, ideally within credit cards
• strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses)
• experience building or influencing credit strategies (e.g. underwriting, limit management, pricing)
• strong analytical and data capabilities, backed up by technical coding skills
• SQL is a must-have, Python and Looker experience is a plus
• experience working with NP V models, profitability analysis, and portfolio forecasting
• confidence communicating complex analysis clearly to non-technical stakeholders
• experience collaborating cross-functionally in a fast-paced environment
• an interest in balancing risk, growth, and customer outcomes

• clear communication of complex analysis to non-technical stakeholders
• cross-functional collaboration
• adaptability in a fast-paced environment
• SQL
• Python
• Looker

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