Credit Analyst - Remote / Flexible Working

We’re waving goodbye to the complicated and confusing ways of traditional banking. As well as  personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and  combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! London or Remote (UK) | £55,000 to £77,000 + Options + Benefits | Data Team, Borrowing    Flex is an innovative credit card that gives our customers unprecedented visibility and control over their spending, offering features like flexible instalment plans and instant app management. If you are passionate about using data and agile technology to solve real-world financial problems and create a genuine feel-good factor around borrowing, this is your chance to contribute to a product that is defining the future of flexible finance. With your experience of developing unsecured retail credit risk strategies and building best in class credit capabilities, you will be responsible for developing our credit and pricing strategies for Flex. You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.   Working on initiatives to improve our 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 our existing strategies, and iterating to improve them Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.) You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus. You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers You have some experience in project management and coordination across teams We can sponsor visas This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. Learning budget of £1,000 a year for books, training courses and conferences ➕ LI-LG1 #LI-Remote Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.