At a Glance
- Tasks: Shape Monzo's credit strategy and analyse portfolio performance to drive impactful decisions.
- Company: Join a mission-driven fintech revolutionising banking for everyone.
- Benefits: Competitive salary, performance incentives, flexible remote work, and comprehensive benefits.
- Other info: Dynamic, flexible work environment with opportunities for personal and professional growth.
- Why this job: Make a real difference in people's financial lives while working with innovative teams.
- Qualifications: Experience in credit analysis and strong analytical skills required.
The predicted salary is between 76500 - 108100 £ per year.
We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. 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.
Our Borrowing business is growing rapidly across both existing products and a range of new initiatives. From credit cards and loans to emerging lending products, we’re building solutions that give customers greater control, transparency, and flexibility in how they manage their finances. If you’re interested in using data to understand lending performance, improve decision-making, and support the development of credit strategies, this role offers the opportunity to work on meaningful problems with clear business impact. This is a high-impact, cross-functional environment where you’ll work closely with Product, Engineering, Data Science, Finance, and Risk & Control to drive sustainable, profitable, and responsible growth across our lending portfolio.
You’ll operate at the intersection of credit risk, commercial performance, and customer experience, helping ensure Monzo’s borrowing products remain competitive, scalable, and aligned with strong customer outcomes.
You’ll play a key role by:
- Designing and refining credit underwriting and limit strategies to optimise risk and growth
- Analysing portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identifying actionable insights
- Building and interpreting NPV and profitability models to inform strategic decisions
- Developing segmentation frameworks to identify revenue and risk pressure points
- Leading analytical deep-dives into portfolio trends and emerging risks
- Partnering with Product and Engineering teams to design and test new features and strategy changes
- Evaluating the commercial and customer impact of pricing, eligibility, and limit decisions
- Presenting clear, structured recommendations to senior stakeholders
- Supporting regulatory and governance requirements, ensuring strategies align with policy and risk appetite
Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles. We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable. We value flexibility, connection, and wellbeing.
Senior Credit Analyst employer: EngineersOfAI
Graphcore is an exceptional employer, offering a dynamic work environment where innovation thrives and every team member can contribute to groundbreaking advancements in AI technology. With a strong focus on employee growth, Graphcore provides ample opportunities for professional development and collaboration with industry experts, all while being part of the prestigious SoftBank Group. Located in a vibrant tech hub, employees enjoy a culture that values creativity, inclusivity, and the chance to make a significant impact in the rapidly evolving field of artificial intelligence.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Analyst
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like EngineersOfAI. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Senior Credit Analyst
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to EngineersOfAI.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on EngineersOfAI's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at EngineersOfAI
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with EngineersOfAI.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at EngineersOfAI will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former EngineersOfAI employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
