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Role Overview:
- Design and refine credit underwriting and limit strategies to optimise risk and growth.
- Analyse portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insights.
- Build and interpret NPV and profitability models to inform strategic decisions.
Work Environment:
- Flexibility in working hours and location; remote across UK with ad hoc London meetings.
- Collaboration with Product, Engineering, Data Science, Finance, and Risk & Control teams.
- Emphasis on work-life balance, wellbeing, and autonomy.
Qualifications:
- Experience in unsecured lending, ideally credit cards.
- Strong understanding of credit card economics (APR, utilisation, interchange, etc.).
- Proficiency in SQL (must-have), Python and Looker (nice to have).
Monzo
Monzo is on a mission to make money work for everyone, offering personal and business bank accounts, savings, investments, and pensions in the UK. With a history of creating magical moments through hot coral cards and award-winning customer service, Monzo has grown significantly over the last 10 years and values diversity and inclusion.