Senior Credit Analyst Personal Loans

Applied Intuition Inc.; Cardiff; Hybrid; GBP 80,000 - GBP 100,000; Full time

Job summary

A financial technology company is seeking a Credit Analyst to lead analytical initiatives that improve credit underwriting and portfolio risk management. The role involves collaborating with cross-functional teams to design and implement innovative lending strategies. Candidates should have experience in unsecured retail lending, strong analytical skills, and a solid understanding of lending economics. The flexibility of remote work options within the UK is offered, alongside a comprehensive benefits package.

Benefits

Flexible working hours

Learning budget of £1,000

Relocation support

Qualifications

• Experience in unsecured retail lending (credit cards, personal loans, etc.) is essential.
• Strong understanding of lending economics and portfolio performance metrics is required.
• Background in developing underwriting strategies or credit risk frameworks.

Responsibilities

• Lead analytical initiatives to improve credit underwriting and manage portfolio risk.
• Support design and implementation of lending strategies.
• Develop and maintain credit models to inform decision-making.

Skills

Unsecured retail lending

Lending economics

Underwriting strategies

Analytical skills

SQL

Project management

Tools

Python

Looker

Job description

Overview

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. 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! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

You’ll join the Core Borrowing team, a cross-functional group consisting of Credit Analysts, Product Manager, Engineers, Designers, Marketers, Customer Research. The team\'s ambition is to establish Monzo as the preferred borrowing option for its customers. This will be achieved by continuously enhancing the experience for existing borrowers and developing innovative new products.

The credit teams are part of our wider Data Discipline which drives a strong-culture of data-driven decision making across the whole company using powerful, real-time analytics.

Responsibilities

• Leading analytical initiatives to improve credit underwriting, manage portfolio risk, and support growth
• Supporting the design, implementation and iteration of lending strategies based on data insights
• Monitoring performance of existing strategies and identifying opportunities for improvement
• Developing and maintaining credit models (including cohort performance, risk segmentation, and NPV analysis) to inform strategic decision-making
• Building and enhancing dashboards, data pipelines, and reporting that enable rapid, data-driven decisions
• Collaborating with cross-functional partners in engineering, product, marketing, risk, and control to design and deliver product changes and features
• Assessing long-term portfolio performance and contributing to strategic discussions on portfolio health
• Helping define and document methodology, assumptions, and business impact for leadership and stakeholders

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! 💼

Qualifications & fit

You should apply if:

• Experience in unsecured retail lending (e.g., credit cards, personal loans, overdrafts, etc.)
• A solid understanding of lending economics, including pricing, risk trade-offs, and portfolio performance metrics
• History of developing and deploying underwriting strategies or credit risk frameworks
• Excellent analytical and data skills - SQL is essential, Python and Looker are a plus
• Ability to translate complex analysis into actionable recommendations and communicate clearly with technical and non-technical stakeholders
• Knowledge of UK lending regulations and how they shape credit strategy
• Experience collaborating with cross-functional teams in fast-paced environments
• Strong project management and organisation skills
• 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.

Benefits & flex

What’s in it for you:

• ✈️ 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

Equal opportunities

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 😊

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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:

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