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Job Overview
Type
Work Style
PostedFeb 25, 2026
SourceMonzo
This position may no longer be available
Posted . It may have been filled, expired, or closed.
Type
FULL TIME
Work Style
On-site
🚀 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 + Options + Benefits | Data Team, Borrowing
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:
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:
Bonus points if you have:
We're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our Data Progression Framework
Interview process
Our typical process is structured as:
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 + benefits
✈️ 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 here
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, 2024 Diversity and Inclusion Report and 2024 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 😊
Prepare for your Senior Credit Analyst, Credit Cards interview at Monzo.