Senior Credit Analyst

Monzo·Cardiffsenior

In short

→Analista de crédito sénior que usa datos para optimizar estrategias de riesgo y crecimiento en productos de préstamo y tarjetas.
→Día a día: analiza riesgos, modela rentabilidad, colabora con producto e ingeniería, y presenta recomendaciones a altos niveles.
→Hecho destacado: el rol tiene alto impacto en la estrategia comercial y en la experiencia del cliente, con matriz de resultados vinculada al desempeño.

Fluent English required for stakeholder communication and documentation.

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What they ask for

✓Experiencia demostrable en análisis de crédito o gestión de riesgos en productos de préstamos o tarjetas.
✓Habilidades avanzadas en análisis de datos y modelado de rentabilidad (NPV).
✓Capacidad para interpretar curvas de vencimiento y métricas de cartera (arrears, utilización, pérdidas).
✓Experiencia trabajando con equipos interfuncionales: producto, ingeniería, riesgo, finanzas.
✓Habilidades de comunicación clara y presentación de resultados a stakeholders de alto nivel.
✓Conocimiento de regulaciones y requisitos de gobernanza en productos de crédito.

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🚀 We’re on a mission to make money work for everyone. We’re 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 as personal 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 and combine 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! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London, Cardiff or Remote (UK) | 💰 £76,500 to £108,100 + 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, we’re building solutions that give customers greater control, transparency, and flexibility in how they manage their finances. If you’re 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 you’ll work closely with Product, Engineering, Data Science, Finance, and Risk & Control to drive sustainable, profitable, and responsible growth across our lending portfolio. You’ll operate at the intersection of credit risk, commercial performance, and customer experience, helping ensure Monzo’s borrowing products remain competitive, scalable, and aligned with strong customer outcomes. 🔑 You’ll play a key role by... As a Senior Credit Analyst, you’ll play a critical role in shaping Monzo’s 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 B

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