About the job

Monzo Bank is hiring a Senior Credit Analyst, Personal Borrowing to join its rapidly growing Borrowing business and help build innovative credit solutions that create a feel-good factor for customers. The role is focused on developing and executing credit and pricing strategies for unsecured lending products such as Flex, personal loans and overdrafts, while ensuring the creation of profitable portfolios and outstanding customer experiences. Responsibilities include enhancing credit underwriting processes, designing and deploying new lending strategies, monitoring and iterating existing strategies, building and maintaining credit models to guide strategic business decisions, and collaborating with cross-functional teams across engineering, marketing, product, risk and compliance to deliver impactful solutions. The ideal candidate will bring expertise in unsecured retail lending, credit risk strategy, lending economics, UK regulatory knowledge, and strong technical skills in SQL, with Python and Looker being a plus. This role requires excellent analytical ability, clear communication, and cross-team project coordination, with a drive to improve products and deliver positive impact. Monzo offers a competitive salary, stock options, visa sponsorship, relocation support, flexible working arrangements, a generous learning budget, and a highly inclusive workplace where diversity is celebrated. This opportunity is ideal for credit professionals eager to shape the future of personal borrowing at one of the UK’s fastest-growing digital banks.