Senior Credit Analyst, Financial Health

Confirmed live in the last 24 hours

Monzo

Compensation

£76,500 to £95,000

Cardiff, London or Remote (UK)

Remote

Posted March 9, 2026

Job Description

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 + Benefits | Data Team, Borrowing

Our team:

Our Borrowing business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit.

We’re not about selling products - we want to solve problems and change lives because Money never felt like Monzo ❤️

The primary goal of our Financial Health team is supporting customers tackling tough financial situations. It is essential that from the very start, we're on the same page about our collective responsibility: providing thoughtful support and practical options to those in need.

With your experience of developing credit risk strategies for collections and recoveries, you'll help to devise strategies that engage our customers and help them to get back to a sustainable financial position. You will be responsible for supporting the impact assessment of new financial health treatments and forecasting arrears portfolio movements across all of our products (Flex, personal loans and overdrafts). You will work with colleagues across Borrowing, Finance and Operational teams to make sure we are delivering value to our customers and the business through our Financial Health product offering.

Your day-to-day:

Working on initiatives to improve our portfolio health by engaging and rehabilitating customers in financial difficulty
Supporting the design and roll-out of financial health strategies by finding patterns in the data and translating these into insights
Design and monitor impact assessment and forecasting models for financial health activities (payment plans, promises, customer engagement pre-arrears and in arrears)
Developing, maintaining and monitoring our credit models to assess net present value of arrears cohorts / segments to drive strategic business decisions
Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes
Supporting the design and roll-out of new products and customer journeys
Assessing how the arrears portfolio will perform over time across products. Work with the Capital Impairment Forecasting team to input into budget and forecast on the arrears portfolio and ensure accurate forecasting.
Work with Operational teams to ensure accurate forecasting of Financial Health activities and related capacity requirements.

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.

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