Lead Credit Analyst, Personal Borrowing

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Requirements:

• Extensive experience in unsecured retail lending (personal loans, credit cards, overdrafts, etc.).
• Deep understanding of unsecured retail lending market and pricing dynamics.
• Experience in developing and deploying underwriting strategies and credit models.
• Strong analytical and data capabilities, with SQL as a must-have; Python and Looker experience a plus.
• Strong understanding of UK lending regulations.
• Ability to thrive in fast-paced environments and a desire to improve products.
• Strong communication skills for articulating complex problems to senior leadership.
• Experience in project management and coordination across teams.
• Ability to collaborate effectively in diverse teams.
• Motivated by positive impact on customers and Monzo.

Responsibilities:

• Leading initiatives to improve credit underwriting, boost growth and/or manage portfolio risk.
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights.
• Monitoring the performance of existing strategies, iterating to improve them.
• Collaborating with engineering, marketing, product, risk and control teams for product changes.
• Developing credit control and portfolio management frameworks.
• Maintaining and refining credit models to assess lending cohorts' net present value.
• Building and owning database tables and dashboards for insights.
• Supporting new product design and customer journeys.
• Assessing lending portfolio performance over time.
• Mentoring and up-skilling more junior team members.