Senior Credit Analyst

🚀 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 ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍LONDON/CARDIFF/UK REMOTE | 💰 £138,000 TO £176,000 + INCENTIVE AWARDS TIED TO YOUR PERFORMANCE + BENEFITS | HEAR FROM THE TEAM ✨  ABOUT THE ROLE Borrowing is one of Monzo’s most important growth engines. We’ve built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe. We’re looking for a senior ML leader to help shape that next phase. You’ll lead a high-calibre team of ML scientists and help define Borrowing’s ML roadmap across UK growth, new customer segments, and EU expansion. You’ll work across underwriting, pricing, limits, and lifecycle decisioning — improving today’s models while helping build the next generation of capability for Monzo. This role combines near-term commercial impact with long-term strategic advantage: * improving performance across our range of products * unlocking new data and faster model development * helping Monzo build underwriting that scales into new markets * shaping how advanced ML and AI can create real value in Borrowing You’ll partner closely with leaders across Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, and influence decisions that shape both business performance and the long-term architecture of credit decisioning at Monzo.  WHAT YOU’LL OWN * Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion * Faster model improvement through new data and feature engineering * How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning * More portable underwriting capabilities across products, customer segments, and markets * Hiring, leading, and developing a high-performing ML team * Raising the bar on model quality, governance, tooling, and speed of iteration WHAT YOU’LL BE WORKING ON Examples of the challenges you could help lead: * Improving underwriting models across Loans, Flex, and Overdrafts * Expand the data we use in our models * Building better feature engineering and model shipping capability * Improving transaction intelligence for credit use cases * Developing underwriting capabilities for new customer segments and EU markets * Shaping Monzo’s approach to advanced ML and AI OUR TECHNOLOGY STACK We rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them: * Google Cloud Platform * BigQuery SQL and dbt * Python and the PyData stack * Google AI Platform * AWS * Python for ML services * Go for backend services * AI tooling for productivity * Google Workspace including Gemini * ChatGPT Enterprise * Claude Code YOU SHOULD APPLY IF * You want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechs * You enjoy combining strategic leadership with strong technical judgment * You’re excited by the intersection of underwriting, data, product, and platform capability * You like building teams as much as building models * You care about real customer and business impact YOU MUST HAVE CREDIT AND MACHINE LEARNING * Strong knowledge of machine learning, statistics, and decisioning systems * Deep experience in credit risk and lending * Experience building, deploying, and iterating credit models in production * Experience pushing the innovation frontiers of the credit industry LEADERSHIP AND DELIVERY * Experience leading and developing senior ML scientists * Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation * Track record of turning strategy into practical delivery in a regulated environment IT WOULD BE GREAT IF YOU ALSO HAVE * Experience across more than one market * Experience with advanced ML methods and AI on structured financial data THE INTERVIEW PROCESS * 30 min Recruiter Call * 45 min Initial Call * 60 min ML technical interview * 60 min People Leadership interview * 60 min Product / Credit ML interview All interviews will be conducted through Google Meet. WHAT’S IN IT FOR YOU 💰 £138,000 to £176,000 ➕ plus stock options & benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London. 🏡 We’ll set you up to work from home, including support for remote setups. ⏰ We offer flexible working hours and trust you to work in a way that lets you do your best work. 📚 Learning budget for books, training courses and conferences ➕ And much more — see our full list of benefits here #LI-DC2  #LI-Remote ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone 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 blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. 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. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting About The Role We’re looking for an analytically-minded Senior Credit Risk Analyst ready to support driving meaningful change in our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding, and eager to solve complex problems. You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance. Your team's objectives Our credit teams are building high-performing portfolios, with bold growth targets and a commitment to responsible lending. Within the credit function, our core responsibilities include: * Optimising credit decisioning: who to lend to, how much to lend, and at what interest rate. * Assessing and adapting to external economic conditions. * Developing and owning models that forecast returns and guide investor reporting. How you'll impact those objectives * Define and refine credit strategies that align with our evolving portfolio goals. * Discover insights from data using tools like Python and SQL to address key business questions. * Collaborate cross-functionally with product, engineering, data, and operations teams to implement strategies. * Monitor and assess the success of implemented strategies and continuously identify areas for improvement. What you'll need to succeed  * Daily coding experience, with proficiency in Python and/or SQL * Proven experience in credit risk strategy, ideally within credit card lending. * A strategic mindset and the ability to translate complex data into clear, actionable decisions. * A focus on delivering results that align with both commercial and customer needs. * A collaborative, open approach and a willingness to challenge your own assumptions Interview Process * An initial phone conversation with our Talent Team * Case study interviews * Onsite interview with Head of credit + logistical reasoning task LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!