Senior Credit Analyst
Employment Information
Report this job
Job expired or something wrong with this job?
Job Description
Senior Credit Analyst shaping credit-card underwriting and portfolio strategies at Monzo, a UK digital bank. Analyzing profitability, risk, and customer outcomes across lending products.
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, and identify actionable insights
- 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 and ensure strategies align with policy and risk appetite
Requirements:
- Experience in unsecured lending, ideally within credit cards
- Strong understanding of credit card economics, including APR, utilisation, interchange, revolving behaviour, cost of funds, and losses
- Experience building or influencing credit strategies, such as underwriting, limit management, or pricing
- Strong analytical and data capabilities with technical coding skills
- SQL is required
- Python and Looker experience is a plus
- Experience with NPV models, profitability analysis, and portfolio forecasting
- Ability to communicate complex analysis clearly to non-technical stakeholders
- Experience collaborating cross-functionally in a fast-paced environment
- Interest in balancing risk, growth, and customer outcomes
Benefits:
- Incentive Awards tied to your performance
- Relocation assistance to the UK
- Visa sponsorship
- Flexible working hours
- Learning budget of £1,000 a year for books, training courses and conferences
- Macbook provided to all employees
- Home office setup support for fully remote workers
- Wellbeing and flexible working support
Similar Jobs
PMO Analyst
PMO Analyst supporting the Change & Transition Delivery team at Target. Managing business change initiatives and ensuring projects are well governed and set up for success.
Contract Analyst I
Contract Analyst managing invoicing and contract activities within clinical research for ICON. Collaborating with internal teams and ensuring compliance with budgeting and clinical agreements.
Contract Analyst I
Contract Analyst at ICON preparing invoicing and managing clinical trial agreements. Collaborating with various teams to enhance contract management processes and resolve issues.
Contract Analyst I
Contract Analyst I responsible for preparing invoices and managing contracts at ICON Health. Collaborating with teams to improve contract management processes for clinical research.
Contract Analyst I
Contract Analyst I preparing and executing invoicing processes for healthcare studies. Collaborating across teams to improve contract management and site negotiations in clinical research.
Revenue Cycle Analyst
Epic Revenue Cycle System & Support Analyst serving as liaison between Revenue Cycle operations and Digital Health & Technology. Leading efforts to evaluate, implement, and optimize Epic functionality across workflows.
Analista de Licitação Pleno
Analista de Licitação Pleno na Ibrowse Consultoria, atuando em processos de licitações públicas e pregões eletrônicos. Suporte adminstrativo e organização de documentação legal.
Contract Analyst I
Contract Analyst I at ICON handling clinical research contract management. Responsible for invoicing, negotiating agreements, and collaborating with various internal teams.
Senior HRIS Analyst – Workday, Advanced Compensation, Talent/Performance modules
Senior HRIS Analyst supporting and enhancing Workday ecosystem focused on compensation and performance. Collaborating with HR and business leaders to optimize data integrity and insights.
Lead Analyst, Workday
Workday Lead Analyst managing Workday platform for efficient HR processes. Collaborating with HR and IT to enhance system functionality for healthcare revenue cycle management.
System Analyst
Systems Analyst at Leadex Systems analyzing business and technical requirements for integration. Collaborating with stakeholders to create comprehensive documentation to support delivery teams.
HR and Payroll Analyst – Senior
Senior Analyst in personnel management for a consolidated company handling payroll and labor legislation. Responsible for compliance with HR processes and staff audits.
Board Certified Behavior Analyst
Board Certified Behavior Analyst providing remote Applied Behavior Analysis services to children and families. Conducting assessments and developing individualized treatment plans across multiple states.
Real Estate Analyst
Detail-oriented Analyst/Senior Analyst with expertise in real estate finance for Basis Industrial. Collaborating with asset managers and senior leadership to provide financial insights and reporting.
IS Applications Analyst
IS Applications Analyst at Virtua Health ensuring IS Application Service needs are met. Overseeing documentation, operational support, project management, and training.
Senior Revenue Analyst
Senior Revenue Analyst responsible for global revenue recognition and financial reconciliations at Box. Collaborating cross-functionally and providing insights to management for operational efficiency.
NQ Plan Analyst
NQ Plan Analyst at Newport overseeing non-qualified plans and client services operations. Implementing strategies and ensuring plan compliance with regulatory standards.
Senior Lending Credit Risk Model Analyst
Senior Lending Credit Risk Model Analyst developing machine-learning solutions for credit outcomes and portfolio performance at H&R Block Financial Services. Collaborating across teams to solve business challenges.
Strategic Services Analyst
Strategic Services Analyst functioning within Threat Management at DeepSeas. Act as a trusted advisor to clients on security program maturity and incident response strategies.
Deployment Analyst
TIS Site Coordinator managing projects for NCR Atleos, coordinating with vendors and internal teams across various states in India. Ensuring on-time quality delivery of ATM deployment projects.