Lead Credit Strategy Analyst, Unsecured Lending

Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
Working with people from engineering, marketing, product, risk and control to design and deliver product changes
Developing our credit control and portfolio management framework to support our growing portfolios
Developing, maintaining and refining our credit models to assess net present value of new lending cohorts to drive strategic business decisions
Building, maintaining & owning the database tables and dashboards that provide insights and promote rapid, data-driven decisions, 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-SL1 #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, 2023 Diversity and Inclusion Report and 2023 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 don't need full or birth names at application stage

You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later).
You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamic to portfolio performance
You have an understanding of lending economics and have experience developing and deploying underwriting strategies and credit models
You have 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 working 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
You have some experience in project management and coordination across teams
You work well collaborating in a team with diverse skill-sets and personality types

Cardiff, London or Remote (UK)

Were on a mission to make money work for everyone.
Were 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!
Were not about selling products - we want to solve problems and change lives through Monzo
Hear from our team about what it's like working at Monzo

London, Cardiff or Remote (UK) | 69,000 to 95,000 + stocks + Benefits | Data Team, Borrowing

About us:
Were here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.w
We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.
We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About our Borrowing Data Team:
Were looking to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly (both on our existing products, and with the planned launch of new products). 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.
With your experience of developing unsecured retail credit risk strategies and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will be responsible for developing our credit and pricing strategies for one of our unsecured lending products (Flex, personal loans or overdrafts). You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.Your day-to-day