About the job

The Senior Credit Analyst, Personal Borrowing role at Monzo Bank focuses on developing credit and pricing strategies for unsecured lending products such as Flex, personal loans, or overdrafts, with the aim of building profitable lending portfolios and delivering exceptional products for customers. Responsibilities include improving credit underwriting, managing portfolio risk, designing and rolling out new lending strategies, monitoring and iterating existing strategies, developing and maintaining credit models, and building dashboards and database tables for data-driven decision-making. The role requires collaboration with engineering, marketing, product, risk, and control teams, and involves assessing long-term portfolio performance. Candidates should have experience in unsecured retail lending, a solid understanding of lending economics, underwriting strategies, and UK lending regulations, along with strong analytical and SQL skills (Python and Looker are a plus). The position offers a salary range of £76,500 to £103,500 plus stock options and benefits, flexible working, a £1,000 annual learning budget, relocation assistance, and visa sponsorship, with the option to work remotely within the UK.