Lead Credit Analyst, Personal Borrowing

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Requirements:

• Extensive experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts).
• Deep understanding of the unsecured retail lending market and pricing dynamics.
• Experience developing and deploying underwriting strategies and credit models.
• Strong analytical and data capabilities, technical coding skills (SQL required, Python and Looker plus).
• Strong understanding of UK lending regulations.
• Experience thriving in a fast-paced environment and improving products.
• Strong communication skills for articulating complex problems to senior leadership.
• Project management experience and collaborative skills with diverse teams.
• Highly motivated to bring positive impact to customers and Monzo.

Responsibilities:

• Leading initiatives to improve credit underwriting, boost growth, and manage portfolio risk.
• Supporting the design and roll-out of new lending strategies by translating data patterns into insights.
• Monitoring and iterating the performance of existing strategies.
• Collaborating with various teams (engineering, marketing, product, risk) for product changes.
• Developing credit control and portfolio management frameworks.
• Refining credit models to assess new lending cohorts.
• Building and maintaining databases and dashboards for data-driven decisions.
• Supporting new product design and assessing portfolio performance.
• Mentoring and up-skilling junior team members.