Tech Stack

Description

You'll shape Monzo's credit card lending strategies, using data and analytics to optimize risk and growth while partnering with cross-functional teams to deliver responsible, customer-focused lending products.

Requirements

• Experience in unsecured lending, ideally within credit cards
• Strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses)
• Experience building or influencing credit strategies (underwriting, limit management, pricing)
• Strong analytical and data capabilities with SQL (required), Python and Looker (preferred)
• Experience working with NPV models, profitability analysis, and portfolio forecasting

Responsibilities

• 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
• Develop segmentation frameworks to identify revenue and risk pressure points
• Lead analytical deep-dives into portfolio trends and emerging risks