Staff Credit Risk Analyst Cardiff, London or Remote (UK)

Applied Intuition Inc.; Remote; GBP 120,000 - 150,000; Full time

Job summary

A leading fintech company in the UK is seeking a Staff Credit Risk Analyst to drive their credit strategy across borrowing products. The role requires extensive experience in unsecured lending, strong analytical skills, and a collaborative approach. You will lead strategic initiatives and work closely with cross-functional teams to deliver innovative credit solutions, all while promoting a culture of data-driven decision-making. The company offers an attractive salary and various perks, including flexible working hours and relocation support.

Benefits

Learning budget of £1,000 a year

Flexible working hours

Relocation assistance

Visa sponsorship

Comprehensive benefits package

Qualifications

• Extensive experience in unsecured lending, ideally with credit cards.
• Deep understanding of lending economics and experience in underwriting strategies.
• Strong analytical and technical coding skills in SQL.

Responsibilities

• Lead on strategically important problems and mentor colleagues.
• Develop and execute a growth strategy for the Flex product.
• Collaborate with teams to design and deliver new products.

Skills

Unsecured lending experience

Analytical skills

Data capabilities

Communication skills

Project management

Tools

SQL

Python

Looker

Job description

🚀 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 ❤️

📍London or Remote (UK) | 💰 £120,000 – £150,000 + Options + Benefits

About us

Our Borrowing (lending) business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel‑good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

We’re expanding our team to support our future growth ambitions. We’re looking for a Staff Credit Risk Analyst to help drive the credit and growth strategy across Borrowing. This will be the most senior individual contributor role within Borrowing. You will initially focus on our Flex product, where we’re reinventing credit cards to give customers more visibility and control over their spending. Over time your remit will expand to cover other areas of Borrowing.

Our credit teams are part of our Data Discipline which drives a strong culture of data‑driven decision making across the whole company. We’re great believers in powerful, real‑time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day‑to‑day data‑driven decisions are covered by self‑serve analytics through Looker which gives analysts the head space to focus on more impactful business questions and analyses.

Join a team where your ideas can rapidly transform into reality, leveraging our cutting‑edge technology and agile ways of working. Our credit analysts and managers are fully embedded into a product squad alongside Product Managers, Engineers, Designers, Marketers, Customer Researchers, Data Scientists etc. This enables us to solve customer problems in a fast‑paced and innovative way.

How you’ll contribute

• Lead on strategically important problems, applying judgement in areas of organisational or technical complexity.
• Act as a role model within Data, contributing to discipline‑level strategy and sponsoring data‑wide projects.
• Share expertise generously, mentoring colleagues to build their skills and understanding, while contributing to the growth and development of the team.
• Work closely with Flex squad leadership to develop and execute an ambitious growth strategy for Flex.
• Lead and coach others to develop credit and pricing strategies for our growing range of Flex products and distribution channels.
• Collaborate with people from engineering, marketing, product, risk and control to design and deliver new products, features and customer journeys.
• Collaborate with the machine learning team to maximise value from our internal and external data through cutting‑edge ML models.
• Promote a culture of proactive, high quality analysis and provide thought leadership to drive forward our vision of building a best‑in‑class credit function.

You should apply if

• You have extensive experience in unsecured lending, ideally including credit cards.
• You have a deep understanding of lending economics and have experience developing and deploying underwriting strategies and credit models.
• You have very strong analytical and data capabilities, backed up by technical coding skills. SQL is a must‑have, Python and Looker experience is a plus.
• You have a strong understanding of the regulations that apply to lending in the UK.
• 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 are a strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadership.
• You have experience in project management and coordination across teams.
• You have a track record of upskilling others through technical coaching.
• You are highly motivated and energised by the idea of bringing a positive impact to our customers and Monzo.

The Interview Process

Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!

• Initial call with the hiring manager.
• Final loop of interviews meeting the team.

Our average process takes around 3‑4 weeks but we will always work around your availability.

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 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 😊.