Senior Credit Analyst
New
M
MonzoBanking and Financial Services
London, Cardiff or Remote (UK)Full-TimeSenior
Salary£76,500 to £108,100 + Incentive Awards tied to your performance
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Job Details
- Required Skills
- PythonSQLLooker
Requirements
- Experience in unsecured lending, ideally within credit cards.
- Strong understanding of credit card economics such as APR, utilisation, interchange, and cost of funds.
- Experience building or influencing credit strategies like underwriting, limit management, and pricing.
- Strong analytical and data capabilities, backed up by technical coding skills.
- SQL is a must-have skill.
- Experience working with NPV models, profitability analysis, and portfolio forecasting.
- Confidence communicating complex analysis clearly to non-technical stakeholders.
- Experience collaborating cross-functional in a fast-paced environment.
- Interest in balancing risk, growth, and customer outcomes.
- Python and Looker experience is a plus.
- Experience modelling rewards cards is a plus.
Responsibilities
- Design and refine credit underwriting and limit strategies to optimise risk and growth.
- Analyse portfolio performance including arrears, utilisation, revenue, losses, and vintage curves.
- 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.
- Support regulatory and governance requirements while ensuring alignment with risk appetite.
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