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Job Description
📋 Description Senior role in Monzo's Borrowing team focused on credit strategy for lending products, especially Work cross-functionally with Product, Engineering, Data Science, Finance, and Risk & Control to Design and refine credit underwriting, limit strategies, and pricing decisions to optimise risk and Analyse portfolio performance, NPVs, profitability, and segmentation to identify insights and Present structured recommendations to senior stakeholders and support regulatory/governance 🎯 Requirements Strong analytics and data capabilities; SQL is essential; Python and Looker are a plus. Experience in unsecured lending, ideally credit cards; understanding of credit card economics (APR Experience building/influencing credit strategies (underwriting, limit management, pricing). Experience with NPV models, profitability analysis, and portfolio forecasting. Ability to communicate complex analysis clearly to non-technical stakeholders and collaborate Interest in balancing risk, growth, and customer outcomes in a fast-paced environment. 🎁 Benefits Benefits with salary range £76,500 to £108,100 + incentive awards Relocation assistance to the UK and visa sponsorship available Hybrid/Remote-friendly work setup within the UK (with potential in-person meetings in London) Learning budget and flexible working hours MacBooks provided; home-office setup support for remote workers Comprehensive benefits page and Diversity & Inclusion initiatives
