Senior Credit Analyst - Remote Opportunity at Monzo

About the Role

We’re hiring a Senior Credit Analyst to join Monzo's dynamic team. This Senior Credit Analyst remote position is a fantastic opportunity to shape the future of credit cards at Monzo, where we’re on a mission to make money work for everyone.

What You'll Do

• Design and refine credit underwriting and limit strategies to optimize risk and growth.
• Analyze portfolio performance (arrears, utilization, 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.

Requirements

• Experience in unsecured lending, ideally within credit cards.
• A strong understanding of credit card economics (APR, utilization, interchange, revolving behavior, cost of funds, losses).
• Experience of modeling rewards cards is a plus.
• 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 NPV models, profitability analysis, and portfolio forecasting.
• Confidence communicating complex analysis clearly to non-technical stakeholders.
• Experience collaborating cross-functionally in a fast-paced environment.

Nice to Have

• Experience building or influencing credit strategies (e.g., underwriting, limit management, pricing).

What We Offer

• Flexible working arrangements that fit your life.
• Competitive salary and benefits package.
• Opportunities for professional growth and development.
• A collaborative and innovative work environment.
• Access to resources that support your wellbeing.