Lead Credit Analyst, Business Borrowing

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Requirements:

• Strong domain expertise in providing lending products to small businesses.
• Deep understanding of business lending, including regulations and best practices.
• Solid understanding of lending economics with experience in underwriting strategies and credit models.
• Strong analytical and data capabilities, particularly in SQL; familiarity with Python and Looker is a plus.
• Strong communication skills for complex problem-solving.
• Experience in project management and coordination across teams.
• Ability to collaborate in a diverse team environment.
• Working understanding of UK lending regulations.
• High motivation for positive impact on customers and Monzo.

Responsibilities:

• Leading initiatives designing and implementing credit and pricing strategies for our business lending products.
• Monitoring the performance of existing strategies and iterating to improve them.
• Supporting the design and roll-out of new products and customer journeys.
• Leading initiatives to improve credit underwriting, boost growth and/or manage portfolio risk.
• Working with diverse teams to design and deliver initiatives.
• Developing and monitoring credit models for forecasting cash flows and assessing the value of new lending cohorts.
• Writing credit proposals for Monzo underwriting policy.
• Finding patterns in data to support new lending strategies.
• Building and maintaining database tables and dashboards for data-driven decisions.
• Assessing the lending portfolio performance over time.