Senior Credit Analyst, Flex

requirements, ensuring strategies align with policy and risk appetite Locations & flexible working Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles. We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable. We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most. Work the way that works for you at Monzo! 💼 You should apply if You have: Experience in unsecured lending, ideally within credit cards A strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Experience of modelling rewards cards is a plus. Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing) Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus Experience working with NPV models, profitability analysis, and portfolio forecasting Confidence communicating complex analysis clearly to non-technical stakeholders Experience collaborating cross-functionally in a fast-paced environment An interest in balancing risk, growth, and customer outcomes

Bonus points if you have: Experience working in a regulated UK lending environment Exposure to IFRS9, stress testing, or capital modelling Experience in experimentation or strategy testing frameworks Experience working on business lending products We're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our Data Progression Framework Interview process Our typical process is structured as: Recruiter call Initial hiring manager call Take-home task Final interviews - (3x) including case study, role-specific, and behavioural interviews Our average process takes around 3-4 weeks but we will always work around your availability. What’s in it for you 💰£76,500 to £95,000 + Incentive Awards tied to your performance +

Benefits ✈️ We can help you relocate to the UK ✅ 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 ➕ And much more, see our full list of

benefits here #LI-LG1 #LI-Remote Equal opportunities for everyone 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. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We’re an equal opportunity employer. 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. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊 Apply for this job * indicates a required field First Name * Last Name * Preferred First Name Email * Phone Country * Phone * Location (City) * Locate me Resume/CV * Attach Attach Dropbox Google Drive Enter manually Enter manually Accepted file types: pdf, doc, docx, txt, rtf Are you a US person? * Select... A US Person is defined as someone who: was born in the United States (US) has at least 1 parent who was born in the US is a naturalised citizen of the US is a green card holder is a US tax resident 🛂 Please confirm your UK Right to Work status. * Select... We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor. 🔐 Keeping your data safe is really important to us. Please take a look at our Candidate Data Privacy Notice (linked below) and confirm that you have. * Select... 🔗 Candidate Data Privacy Notice . If you’d like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you'd like to, please spell out your name how it's pronounced so we know how to say it. 👤 Identity survey Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is: Voluntary . And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not. Anonymous to Monzo . We can't tie your responses to you and they won't make a difference to the outcome of your application. We'll only use grouped responses for equal opportunities monitoring in our hiring process. For more information on how we'll use this data, please read our candidate privacy notice . By filling out this survey, you agree that we can use your responses for the purposes we've mentioned above. You are not letting us know if we need to make any adjustments to the hiring process because of disability or neurodiversity - to do this please email us. How would you describe your gender identity? Select... Do you identify as transgender? Select... What's your sexual orientation? Select... Do you identify as having a disability? Select... Do you consider yourself to be neurodivergent? Select... How would your describe your ethnicity? Select... Submit application Powered by Greenhouse

A meeting lands on your calendar

If they’re a yes, I book the chat. You show up — that’s the whole job-hunt.