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📍Cardiff, London or Remote (UK) | 💰 £76,500 to £95,000 + Incentive Awards tied to your performance + | Our team Our Borrowing Collective is building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money. You’ll be working on Monzo’s credit card products, helping to design, optimise, and grow our lending strategies. This is a high-impact, cross-functional environment where you’ll partner closely with Product, Engineering, Data Science, Finance, and Risk & Control to deliver sustainable, profitable, and responsible growth across our credit card offerings. You’ll operate at the intersection of credit risk, commercial performance, and customer experience, ensuring Monzo’s credit card products remain sustainable, competitive, and customer-focused as they scale. Your day-to-day As a Senior Credit Analyst, you’ll play a critical role in shaping Monzo’s credit strategy across credit card products. Your responsibilities will include: • Design and refine credit underwriting and limit strategies to optimise risk and growth, • Analyse portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insights, • Build and interpret NPV and profitability models to inform strategic decisions, • Develop segmentation frameworks to identify revenue and risk pressure points, • Lead analytical deep-dives into portfolio trends and emerging risks, • Partner with Product and Engineering teams to design and test new features and strategy changes, • Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions, • Present clear, structured recommendations to senior stakeholders, • Support regulatory and governance requirements, ensuring strategies align with policy and risk appetite Locations & flexible working 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. Work the way that works for you at Monzo! 💼 You should apply if You have: • Experience in unsecured lending, ideally within credit cards, • A strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Experience of modelling rewards cards is a plus., • Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing), • Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus, • Experience working with NPV models, profitability analysis, and portfolio forecasting, • Confidence communicating complex analysis clearly to non-technical stakeholders, • Experience collaborating cross-functionally in a fast-paced environment, • An interest in balancing risk, growth, and customer outcomes Bonus points if you have: • Experience working in a regulated UK lending environment, • Exposure to IFRS9, stress testing, or capital modelling, • Experience in experimentation or strategy testing frameworks, • Experience working on business lending products We're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our _ Interview process Our typical process is structured as: • Recruiter call, • Initial hiring manager call, • Take-home task, • Final interviews - (3x) including case study, role-specific, and behavioural interviews Our average process takes around 3-4 weeks but we will always work around your availability. What’s in it for you 💰£76,500 to £95,000 + Incentive Awards tied to your performance + _ ✈️ We can help you relocate to the UK ✅ 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_ #LI-LG1 #LI-Remote

📍London or Remote (UK) | 💰 £55,000 to £77,000 + Options + | Our team: 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. With your experience of developing unsecured retail credit risk strategies and building best in class credit capabilities, you will be responsible for developing our credit and pricing strategies for Flex. You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers. 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. Work the way that works for you at Monzo! 💼 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 We're on the look out for Credit Analysts (L30) at the moment, you can read more in our _ The interview process: Our 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 + _ ✅ 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 _ #LI-LG1 #LI-Remote

🚀 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 and bank accounts, we offer , , a and in the UK, with more exciting things to come beyond. Our UK customers can also , and _ 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 + | Our team 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. This is a high-impact, cross-functional environment where you’ll partner closely with Product, Engineering, Data Science, Finance, and Risk & Control to deliver sustainable, profitable, and responsible growth across our credit card offerings. You’ll operate at the intersection of credit risk, commercial performance, and customer experience, ensuring Monzo’s credit card products remain sustainable, competitive, and customer-focused as they scale. Your day-to-day As a Senior Credit Analyst, you’ll play a critical role in shaping Monzo’s credit strategy across credit card products. Your responsibilities will include: • Design and refine credit underwriting and limit strategies to optimise risk and growth, • Analyse portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insights, • Build and interpret NPV and profitability models to inform strategic decisions, • Develop segmentation frameworks to identify revenue and risk pressure points, • Lead analytical deep-dives into portfolio trends and emerging risks, • Partner with Product and Engineering teams to design and test new features and strategy changes, • Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions, • Present clear, structured recommendations to senior stakeholders, • Support regulatory and governance requirements, ensuring strategies align with policy and risk appetite Locations & flexible working: 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. Work the way that works for you at Monzo! 💼 You should apply if You have: • Experience in unsecured lending, ideally within credit cards, • A strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Experience of modelling rewards cards is a plus., • Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing), • Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus, • Experience working with NPV models, profitability analysis, and portfolio forecasting, • Confidence communicating complex analysis clearly to non-technical stakeholders, • Experience collaborating cross-functionally in a fast-paced environment, • An interest in balancing risk, growth, and customer outcomes We're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our _ Interview process Our typical process is structured as: • Recruiter call, • Initial hiring manager call, • Take-home task, • Final interviews - (3x) including case study, role-specific, and behavioural interviews Our average process takes around 3-4 weeks but we will always work around your availability. What’s in it for you 💰£76,500 to £95,000 + Incentive Awards tied to your performance + _ ✈️ We can help you relocate to the UK ✅ 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_ #LI-LG1 #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 , 2024 and 2024 _ 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 😊

📍Cardiff, London or Remote (UK) | 💰 £76,000 to £95,000 + Incentive Awards tied to your performance + | About our Financial Health Team: We are scaling up our Data and Credit team to support the rapid growth and evolution of our portfolio. We are looking for a Senior Data Analyst to join our Financial Health squad who are focused on supporting customers in financial difficulty. As a Senior Data Analyst, you’ll be working in collaboration with Product, Data Science and Analytical Engineering peers on data-driven insights and initiatives. We’re looking for an experienced Senior Data Analyst with hands-on experience who can bring fresh thinking and new ways to inspire the team and our customers. What you’ll be working on: As a Senior Data Analyst you will partner with Product Managers, Engineers, and Data Scientists in an agile product environment. You’ll champion the use of data and bring ideas to life through a rigorous analytical approach. Your work will focus on improving the support we offer to customers in financial difficulty, ensure our operational processes are well controlled and we meet regulatory requirements. At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and execute quickly. Our mission is to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly (both on our existing products, and with the planned launch of new products). We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. Your day-to-day: • Generate insights that can drive the direction of our Financial Health strategy through proactive analysis, • Bring data-driven rigour to our approach to product development and build a strategic understanding of the business while structuring complex projects to bring them to life, • Work and advise on Financial Health’s global expansion strategy, • Develop and maintain Looker dashboards, reports and metrics that assess business and customer outcomes within Financial Health, • Ensure accurate reporting to third parties and regulators, • Build and maintain controls to ensure our business processes are running as intended, • Lead projects to improve the accuracy, efficiency and accessibility of our data Locations & flexible working 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. Work the way that works for you at Monzo! 💼 Our technology stack: Our_'s mission is to Enable Monzo to Make Better Decisions, Faster At the core of this mission sits our data platform. We're great believers in powerful, real-time analytics and empowerment of the wider business. Our engineers collect analytics events from their microservices, and upload these into our Data stack for analysis. We optimise for simplicity and re-usability – all our data lives in one place and is made available via our data warehouse in Google BigQuery. We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them): • _ for all of our analytics infrastructure, • and for our data modelling and warehousing, • Python for data science, • _ to write our application code, • _ for most of our backend infrastructure You should apply if: • What we’re doing here at Monzo excites you!, • You are passionate about using data to improve and inform business decisions, • You’re motivated by solving challenging problems, and communicating and collaborating closely with subject matter experts on those solutions, • You’re excited by the opportunity to work autonomously to impact the future of a fast growing, ever evolving business, • You’re as comfortable getting hands-on as taking a step back and thinking strategically, • You are experienced with using a variety of Data Analysis tools. You know when to pick the right tool, and can help others do the same, • You have a solid grounding in SQL, • Experience in Financial Health is a plus, but not required. We're on the look out for L40 Senior Data Analysts at the moment, you can read more in our _ The Interview Process: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! • 30 minute recruiter call, • 45 minute initial call, • Take home task, • 2 x 1-hour video calls, including a technical case study Our average process takes around 3-4 weeks but we will always work around your availability. What’s in it for you: 💰 £76,000 to £95,000 + Incentive Awards tied to your performance + _ ✈️ We can help you relocate to the UK ✅ 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_ #LI-LG1 #LI-Remote

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Start Delivering with Uber Eats.Delivering with Uber Eats offers a flexible way of making money.It is a great alternative to traditional part-time delivery jobs or other part-time gigs, temp jobs or seasonal work.See how delivering with the Uber app can help you make money flexibly.You decide how mu

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