Lead Credit Analyst | Monzo | Remote (United Kingdom)

<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">🚀 We’re on a mission to make money work for everyone.</strong></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We’re waving goodbye to the complicated and confusing ways of traditional banking.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">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!</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We’re not about selling products &#8211; we want to solve problems and change lives through Monzo ❤️</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><a href="https://www.youtube.com/watch?v=U62l09nB0M4" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow">Hear from our team about what it&#8217;s like working at Monzo</a> ✨</p>
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<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">📍London or Remote (UK) | 💰 £80,000 to £100,000 + Options + <a href="https://monzo.com/careers/" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow"> Benefits</a> |<a href="https://monzo.com/blog/2021/02/09/borrowing-data-at-monzo" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow"> Data Team, Borrowing </a></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">About our FinHealth Data Team:</strong></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We want to change the way that banks do collections by genuinely aligning our customers interests with credit outcomes. We want to empower customers to tackle any financial problem they’re having, while achieving good outcomes for Monzo. We’re looking for someone special who can help our data led journey achieving excellence in supporting customers in financial difficulties.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">With your experience in developing unsecured retail credit risk strategies and building best in class credit capabilities, you&#8217;ll help drive Monzo’s strategy for customers in financial difficulty. We’re looking for someone who is happy to roll their sleeves up and get stuck in &#8211; analysing data, making recommendations for changes and iterating on processes and strategies to make sure we’re improving our customer outcomes and portfolio health every day. You will work with colleagues across teams to make sure we are building successful collections strategies and customer centricprocesses.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">Your day-to-day:</strong></p>
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<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Monitoring the performance of our existing collections strategies, and iterating to improve them</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Through metrics and analysis, develop a deep understanding of how our operational processes, including in-app chat, impact customer outcomes</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Supporting the design and roll-out of new collections strategies and customer journeys by finding patterns in the data and translating these into insights</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Collaborating with a range of disciplines in the Borrowing, Operations, Product and Engineering teams people from engineering, marketing, product, risk and control to design and deliver initiatives</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Overseeing and enhancing the database tables and dashboards that provide insights and promote rapid, data-driven decisions</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Defining our financial difficulties policies to deliver fair customer outcomes and minimise credit loss</span></li>
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<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">You should apply if:</strong></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Regarding checklists… Do you feel like you don&#8217;t fit neatly into boxes? Neither do we! Please don&#8217;t see the following points as a mere checklist but do take them seriously. We are looking for someone capable and experienced for this role, yet we recognise that everyone has unique strengths. If you believe you&#8217;d be a great fit, let us know why and apply anyway.</p>
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<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You have experience in unsecured retail lending credit risk management, including overall lending economics and the impact of underwriting strategies including the understanding of credit provisioning (IFRS9)</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python is a plus</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You are a clear communicator, able to cut through complex problems and articulate decision points</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You have experience creating high quality data led credit proposals including impact assessment and benefits forecasting</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You are passionate about customers and understand the role collections strategies and policies play in customer outcomes</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You have a deep understanding of how collections works, including regulation and industry best practice</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You’re comfortable balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes)</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You can bring a dynamic energy to the team, and are keen for the chance to improve our products and help ship changes to our customers</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You work well collaborating in a team with diverse skill-sets and personality types</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">You thrive in a fast-paced environment</span></li>
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<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">The Interview Process:</strong></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Our interview process involves 4 main stages:</p>
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<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Recruiter Call</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Initial Call</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Take Home Task</span></li>
<li class=" leading-snug mb-2 pl-2"><span class="text-gray-200">Final stage (x3 interviews) consisting of a case study, role specific and values interview</span></li>
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<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">What’s in it for you:</strong></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">💰 £80,000 to £100,000 ➕ plus stock options +<a href="https://monzo.com/careers/" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow"> benefits</a></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">✈️ We can help you relocate to the UK</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">✅ We can sponsor visas</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">📍This role can be based in our London office, but we&#8217;re open to distributed working within the UK (with ad hoc meetings in London).</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">⏰ 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.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">📚 Learning budget of £1,000 a year for books, training courses and conferences</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">➕ And much more, see our full list of benefits<a href="https://monzo.com/careers/" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow"> <strong class=" font-semibold">here</strong></a></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">#LI-NB2 #LI-Remote</p>
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<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3"><strong class=" font-semibold">Equal opportunities for everyone</strong></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our <a href="https://monzo.com/blog/diversity-and-inclusion" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow">blog</a>, 2023 <a href="https://monzo.com/blog/our-2023-diversity-and-inclusion-report" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow">Diversity and Inclusion Report</a> and 2023 <a href="https://monzo.com/blog/an-update-on-our-gender-pay-gap-2023" target="_blank" class="break-all font-medium underline hover:opacity-75" rel="noopener noreferrer nofollow">Gender Pay Gap Report.</a></p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.</p>
<p class=" text-gray-200 text-base sm:text-lg leading-relaxed mb-3">If you have a preferred name, please use it to apply. We don&#8217;t need full or birth names at application stage 😊</p>