🚀 We’re on a mission to make money work for everyone.

We’re 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!

We’re 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 | 💰 £55,000 - £70,000 + stock options + Benefits | Hear from the team ✨ | Check out our Career Launchpad 🚀

About our Credit Strategy Team: 

At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and execute quickly.

We’re looking to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. 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.

We are scaling up our team to support the rapid growth and evolution of our portfolio. This role is an analyst within that team. Strong data and analytical skills are a must. Previous experience working in a credit risk role is essential, exposure to consumer lending products such as loans and credit cards a plus

Your day-to-day:   

• Build robust data SQL models
• Building, maintaining & responsible for the database tables and dashboards (mostly in Looker) that provide insights and promote rapid, data-driven decisions
• Writing credit proposals which will be adopted as Monzo underwriting policy
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Operate and enhance our credit models to forecast cash flows and assess net present value of new lending cohorts (SQL & Python)
• Work on projects to improve the accuracy and efficiency of our models
• Working with people from engineering, marketing, product, risk and control to design and deliver initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk

You should apply if:

• You are keen to learn and deepen your credit knowledge and expertise
• You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well
• You're passionate about data and using that data to improve & inform business decisions
• 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 can convey problems and solutions using effective communication, both written and verbal
• You work well collaborating in a team with diverse skill-sets and personality types
• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so

The Interview Process:

Our interview process involves 4 main stages: 

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

What’s in it for you:

💰 £55,000 - £70,000 ➕ plus stock options

📍 London (two to three days a week)

⏰ 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-NB2  #LI-Remote

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re 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, 2022 Diversity and Inclusion Report and 2023 Gender Pay Gap Report.

We’re 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.