At a Glance
- Tasks: Analyse data to improve credit strategies and support innovative lending products.
- Company: Join a rapidly growing fintech company redefining flexible finance.
- Benefits: Competitive salary, stock options, flexible hours, and a £1,000 learning budget.
- Other info: Collaborative environment with excellent career growth opportunities.
- Why this job: Make a real impact on financial solutions while enjoying remote work flexibility.
- Qualifications: Experience in unsecured retail lending and strong analytical skills required.
Location: London or Remote (UK)
Salary: £55,000 to £77,000 + Options + Benefits
Our Borrowing business is growing rapidly across both existing products and the planned launch of new initiatives. Flex is an innovative credit card that gives our customers unprecedented visibility and control over their spending, offering features like flexible instalment plans and instant app management. If you are passionate about using data and agile technology to solve real-world financial problems and create a genuine feel-good factor around borrowing, this is your chance to contribute to a product that is defining the future of flexible finance.
Your day-to-day:
- Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
- Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
- Monitoring the performance of our existing strategies, and iterating to improve them
- Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes
- Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions
- Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions
- Supporting the design and roll-out of new products and customer journeys
- Assessing how the lending portfolio of particular products will perform over time
How we work:
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. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.
You should apply if:
- You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.)
- You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
- You have an understanding of lending economics and have experience developing and deploying underwriting strategies
- You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
- You have a working understanding of the regulations that apply to lending in the UK.
- You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
- You are a strong communicator, able to cut through complex problems and 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 are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo
The interview process involves 4 main stages:
- Recruiter call
- Initial call
- Take home task
- Final stage (x3 interviews) consisting of a case study, role specific interview and collaboration interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
- £55,000 to £77,000 + stock options + benefits
- We can sponsor visas
- This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).
- We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.
- Learning budget of £1,000 a year for books, training courses and conferences
- And much more, see our full list of benefits here
Remote Credit Analyst, Flex in Leicester employer: Referrals Only
At Monzo, we pride ourselves on being an exceptional employer that champions flexibility, connection, and employee wellbeing. Our innovative culture fosters collaboration across diverse teams, allowing you to thrive in a supportive environment while contributing to the future of flexible finance. With competitive salaries, stock options, and a generous learning budget, we empower our employees to grow and succeed, whether working from our London hub or remotely across the UK.
StudySmarter Expert Advice🤫
We think this is how you could land Remote Credit Analyst, Flex in Leicester
✨Tip Number 1
Get to know the company inside out! Research their products, values, and recent news. This will help you tailor your conversations during interviews and show that you're genuinely interested in being part of the team.
✨Tip Number 2
Network like a pro! Connect with current employees on LinkedIn or attend industry events. A friendly chat can sometimes lead to insider tips or even a referral, which can give you a leg up in the application process.
✨Tip Number 3
Prepare for those interviews! Practice common questions and think about how your experience aligns with the role. Use the STAR method (Situation, Task, Action, Result) to structure your answers and make them impactful.
✨Tip Number 4
Don’t forget to follow up! After your interviews, send a quick thank-you email to express your appreciation for the opportunity. It’s a nice touch that keeps you fresh in their minds and shows your enthusiasm for the role.
We think you need these skills to ace Remote Credit Analyst, Flex in Leicester
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experience mentioned in the job description. Highlight your experience in unsecured retail lending and any relevant analytical skills. We want to see how you can contribute to our innovative credit card, Flex!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Share your passion for using data to solve financial problems and how you can help us improve our products. Be genuine and let us know why you're excited about joining our team at StudySmarter.
Showcase Your Technical Skills:Since we're looking for strong analytical and coding capabilities, make sure to mention your experience with SQL, Python, or Looker. If you've developed credit models or worked on lending strategies, we want to hear about it!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, it shows us you’re keen to join the StudySmarter family!
How to prepare for a job interview at Referrals Only
✨Know Your Numbers
As a Credit Analyst, you'll be dealing with data all the time. Brush up on your SQL and Python skills before the interview. Be ready to discuss how you've used data to drive decisions in past roles, especially in unsecured retail lending.
✨Understand the Market
Make sure you have a solid grasp of the unsecured retail lending market. Familiarise yourself with pricing dynamics and how they impact portfolio performance. This knowledge will help you stand out when discussing strategies during the interview.
✨Show Your Collaborative Spirit
You'll be working with diverse teams, so highlight your experience in collaboration. Prepare examples of how you've successfully worked with engineering, marketing, or risk teams to deliver product changes or improve processes.
✨Prepare for Case Studies
The final stage includes a case study, so practice analysing data sets and presenting your findings clearly. Think about how you would approach developing credit models or assessing lending portfolios, as this will showcase your analytical skills.
