Lead Credit Analyst - Business Borrowing

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Monzo Bank

WebsiteLinkedInAll Job Openings

Digital Retail Bank • Fintech • digital banking • smartphone

1001 - 5000 employees

Founded 2015

🏦 Banking

💳 Fintech

👥 B2C

Description

• You will work in the credit risk team responsible for credit strategy for our business lending products • Leading initiatives designing and implementing credit and pricing strategies for our business lending products • Monitoring the performance of our existing strategies, and iterating to improve them • Supporting the design and roll-out of new products and customer journeys • Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk • Working with people from engineering, marketing, product, risk and control to design and deliver initiatives • Developing and monitoring our credit models to forecast cash flows and assess net present value of new lending cohorts • Writing credit proposals which will be adopted as Monzo underwriting policy • Supporting design and roll-out of new lending strategies by finding patterns in the data and translating these into insights • Building, maintaining & responsible for the database tables and dashboards that provide insights and promote rapid, data-driven decisions • Assessing how the lending portfolio of particular products will perform over time

Requirements

• You have strong domain expertise in providing lending products to small businesses • You have a deep understanding of how business lending works, including regulation and industry best practice • You have a solid understanding of lending economics and experience developing underwriting strategies and credit models • You have strong analytical and data capabilities, backed by technical coding skills (SQL is a must-have, Python and Looker experience is a plus) • You can bring dynamic energy to the team, keen to improve products and help ship changes to customers • You are a strong communicator, able to 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 have a working understanding of the regulations that apply to lending in the UK • You are highly motivated and energised by bringing positive impact to customers and Monzo

Benefits

• £69,000 to £95,000 ➕ plus stock options • Learning budget of £1,000 a year for books, training courses and conferences • Flexible working hours • We can help you relocate to the UK • We can sponsor visas