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

Requirements

experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.)
understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
understanding of lending economics and have experience developing and deploying underwriting strategies
strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
working understanding of the regulations that apply to lending in the UK.
thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
strong communicator, able to cut through complex problems and articulate decision points
some experience in project management and coordination across teams
work well collaborating in a team with diverse skill-sets and personality types
highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

Benefits

stock options
Learning budget of £1,000 a year for books, training courses and conferences
flexible working hours
trust you to work enough hours to do your job well, at times that suit you and your team.
benefit options

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

SQLPythonLookercredit modelsdata analysisdatabase managementdata-driven decision makingunderwriting strategiesportfolio performance assessmentlending economics

Soft Skills

analytical skillscommunicationproblem-solvingproject managementcollaborationadaptabilitymotivationteamworkstrategic thinkingcustomer focus