About the job

Monzo Bank is seeking a Lead Credit Analyst to join its rapidly growing Borrowing team, working on products like Flex, personal loans, and overdrafts, with the mission to make money work for everyone by simplifying banking and creating a positive customer experience. This full-time role, offering £97,800–£132,300 plus stock options, benefits, visa sponsorship, and relocation support, can be based in London, Cardiff, or remotely within the UK. The position involves leading initiatives to enhance credit underwriting, drive growth, manage portfolio risk, design and roll out new lending strategies, analyse performance, refine credit models, and develop portfolio management frameworks. The Lead Credit Analyst will work closely with cross-functional teams including engineering, marketing, product, and risk, while also mentoring junior analysts. Applicants should have extensive experience in unsecured retail lending, a deep understanding of the UK lending market and economics, strong analytical and coding skills (SQL essential, Python and Looker advantageous), knowledge of UK lending regulations, and the ability to communicate complex decisions effectively. The interview process includes recruiter and initial calls, a take-home task, and three final interviews. Monzo offers flexible working hours, a £1,000 annual learning budget, and an inclusive, diverse work culture aligned with its mission to build profitable lending portfolios and outstanding products for customers.