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 ❤️

📍Cardiff, London or Remote (UK) | 💰 £76,500 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing

Our team⭐

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...

As a Senior Credit