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 or Remote (UK) 59100 to 79900 Incentive Awards tied to your performance Benefits Data Team Borrowing

Our team

Our Borrowing collective is growing across Personal Loans and Financial Health. Were building innovative responsible lending products that give customers greater transparency flexibility and control over their money.

Personal Loans provides simple transparent borrowing while Financial Health focuses on sustainable growth and better customer outcomes.

As part of the team youll develop and optimise unsecured credit risk and pricing strategies partnering closely with Product Engineering and Data to build profitable portfolios and outstanding customer experiences.

If youre excited by data-led decision-making experimentation and shaping the future of modern lending wed love to hear from you.

Youll play a key role by...

• Working on 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
• Monitoring the performance of our existing strategies and iterating to improve them
• Working alongside people from engineering marketing product risk and control to design and deliver product changes
• Developing maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions
• Building and maintaining the database tables and dashboards that provide insights and promote rapid data-driven decisions
• Supporting the design and roll-out of new products and customer journeys
• Assessing how the lending portfolio of particular products will perform over time

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 retail lending (e.g. personal loans credit cards overdrafts buy now pay later etc.)
• You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
• You have an understanding of lending economics and have experience developing and deploying underwriting strategies
• 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
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

Were on the look out for L30 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

59100 to 79900 incentive awards tied to your performance benefits

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