Credit Analyst

By Referrals Only

Credit Analyst developing and optimising unsecured credit risk and pricing strategies at Referrals Only. Collaborating with cross-functional teams to enhance customer experiences and portfolio performance.

Posted 4/28/2026full-timeCardiff • 🇬🇧 United KingdomMid-LevelSenior💰 £58,000 - £78,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

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

What you’ll need

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

Benefits

Comp & perks

Incentive Awards tied to your performance
We can sponsor visas
Flexible working hours
Learning budget of £1,000 a year for books, training courses and conferences
And much more, see our full list of benefits here

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

SQLPythonLookercredit modelsdata analysisunderwriting strategiesdatabase managementdata-driven decision makingportfolio risk managementlending economics

Soft Skills

strong communicationanalytical skillsproject managementcollaborationproblem-solvingmotivationadaptabilityteamworkfast-paced environmentcustomer focus