Remote Lead Credit Analyst Job in UK Monzo Bank

Who you are

• Experience in unsecured retail lending credit risk management, including overall lending economics and impact of underwriting strategies, including understanding of credit provisioning (IFRS9)
• Strong analytical and data capabilities, with technical coding skills in SQL and preferably Python
• Clear communicator, able to articulate decision points and cut through complex problems
• Experience creating high quality data led credit proposals, including impact assessment and benefits forecasting
• Passionate about customers and understanding the role collections strategies and policies play in customer outcomes
• Deep understanding of how collections work, including regulation and industry best practices
• Comfortable balancing 'soft' information with hard data
• Dynamic energy and keen to improve products and ship changes to customers
• Collaborative team player with diverse skill-sets and personality types
• Thrives in fast-paced environments

Desirables

• Dynamic energy
• Customer-focused
• Collaborative
• Fast-paced adaptability

What the job involves

• Developing unsecured retail credit risk strategies and building best in class credit capabilities
• Driving Monzo’s strategy for customers in financial difficulty
• Analysing data, making recommendations for changes and iterating on processes and strategies to improve customer outcomes and portfolio health
• Monitoring and iterating performance of existing collections strategies based on metrics and analysis
• Supporting design and roll-out of new collections strategies and customer journeys by finding patterns in data and translating these into insights
• Collaborating with various disciplines across teams to design and deliver initiatives
• Enhancing database tables and dashboards to promote rapid, data-driven decisions
• Defining financial difficulties policies to deliver fair customer outcomes and minimise credit loss

Application process

• Recruiter Call
• Initial Call
• Take Home Task
• Final stage (3 interviews) consisting of a case study, role specific and values interview