Credit Analyst - Borrowing Team
New
R
Referrals OnlyFinTech, Lending
Remote (UK)Full-Time
Salary58,000 - 78,000 GBP per year
Apply NowOpens the employer's application page
Job Details
- Required Skills
- PythonSQLLooker
Requirements
- Experience in unsecured retail lending (e.g., personal loans, credit cards, overdrafts, buy now pay later etc.)
- Understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
- Understanding of lending economics and experience developing and deploying underwriting strategies
- Strong analytical and data capabilities, backed up by technical coding skills
- SQL is a must-have
- Python and Looker experience is a plus
- Working understanding of the regulations that apply to lending in the UK
- Thrive in a fast-paced environment and keen for the chance to improve products and ship changes to customers
- Strong communicator, able to cut through complex problems and articulate decision points
- Some experience in project management and coordination across teams
- Work well collaborating in a team with diverse skill-sets and personality types
- Highly motivated and energised by the idea of bringing positive impact to customers and Monzo
Responsibilities
- Work on initiatives to improve credit underwriting, boost growth, and/or manage portfolio risk
- Support the design and roll-out of new lending strategies by finding patterns in data and translating these into insights
- Monitor the performance of existing strategies and iterate to improve them
- Work alongside people from engineering, marketing, product, risk, and control to design and deliver product changes
- Develop, maintain, and monitor credit models to assess net present value of new lending cohorts to drive strategic business decisions
- Build and maintain database tables and dashboards that provide insights and promote rapid, data-driven decisions
- Support the design and roll-out of new products and customer journeys
- Assess how the lending portfolio of particular products will perform over time
View Full Description & ApplyYou'll be redirected to the employer's site
