Senior Credit Analyst

Were on a mission to make money work for everyone.

Were waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card our product offering has grown a lot in the last 10 years in the UK. As well aspersonal 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 andcombine 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!

Were not about selling products - we want to solve problems and change lives through Monzo

London Cardiff or Remote (UK) 76500 to 108100 Incentive Awards tied to your performance Benefits Data Team Borrowing

Our team

Our Borrowing business is growing rapidly across both existing products and a range of new initiatives. From credit cards and loans to emerging lending products were building solutions that give customers greater control transparency and flexibility in how they manage their finances.

If youre interested in using data to understand lending performance improve decision-making and support the development of credit strategies this role offers the opportunity to work on meaningful problems with clear business impact.

This is a high-impact cross-functional environment where youll work closely with Product Engineering Data Science Finance and Risk & Control to drive sustainable profitable and responsible growth across our lending portfolio.

Youll operate at the intersection of credit risk commercial performance and customer experience helping ensure Monzos borrowing products remain competitive scalable and aligned with strong customer outcomes.

Youll play a key role by...

As a Senior Credit Analyst youll play a critical role in shaping Monzos credit strategy across credit card products. Your responsibilities will include:

• Design and refine credit underwriting and limit strategies to optimise risk and growth
• Analyse portfolio performance (arrears utilisation revenue losses 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 ensuring strategies align with policy and risk appetite

How we work:

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 theres no pressure to come into the office even if youre nearby. Youll do your best work where you feel most comfortable.

We value flexibility connection and wellbeing. Youll have the freedom to work in a way that fits your life whether thats school drop-offs avoiding rush hour or making time for what matters most.

Work the way that works for you at Monzo!

Wed love to hear from you 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

Were on the look out for L40 Senior Credit Analysts at the moment you can read more in our Data Progression Framework

The application journey has 3 key steps

1. Recruiter call
2. Initial call
3. Final stage (x3 interviews) consisting of a case study role specific interview and collaboration interview

This process should take around 3-4 weeks - your schedule is really important to us so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

Whats in it for you

76500 to 108100 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 were 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 1000 a year for books training courses and conferences

We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

Plus lots more! Read our full list of benefits.

#LI-JH1 #LI-Remote

Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

Were 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 dont need full or birth names at application stage

Required Experience:

Senior IC

Employment Type : Full-Time
Experience: years
Vacancy: 1
Monthly Salary Salary: 76500 - 95000