Machine Learning Manager, Borrowing

• Lead a small team of Senior ML Scientists to improve customer and business outcomes through better automated decisioning. • Drive innovations by identifying new opportunities for data and ML applications across multiple Borrowing products. • Influence strategic decisions and product roadmaps alongside leaders in Credit Strategy, Products, Model Validation, and Engineering. • Spearhead continuous development of toolings, methodologies, and processes to help the team build better models faster. • Champion quality and efficiency of model development and ensure safe, scalable growth of the model portfolio. • Collaborate with other modelling teams across Monzo on best practices and latest technologies. • Work with external data suppliers and industry peers to push innovation frontiers for the credit industry.

• Have excellent technical skills in Python, SQL, and statistics. • Have extensive knowledge of the credit industry including products, data, typical ML applications, and related regulations. • Have hands-on experience across the full lifecycle of credit risk models including project scoping, data curation, model optimisation, performance analysis, deployment, monitoring, and diagnosis. • Have a successful track record of managing complex projects with cross-functional teams and senior stakeholders. • Have experience mentoring and coaching senior individual contributors. • Have previous experience managing data and model governance in a regulated business.

• Have experience with Google Cloud Platform and BigQuery. • Have experience with dbt for data modelling and warehousing. • Have experience with the PyData stack for model development. • Have experience with Google AI Platform for cloud computing. • Have experience with Go for microservices. • Have familiarity with AI toolings for productivity such as Claude Code or ChatGPT Enterprise.

• Take a hands-on technical leadership role managing a small team of Senior ML Scientists. • Drive innovations by identifying new data and ML application opportunities and delivering business value across multiple Borrowing products. • Build close relationships with leaders across Credit Strategy, Products, Model Validation, and Engineering to influence strategic decisions and product roadmaps. • Spearhead continuous development of toolings, methodologies, and processes to empower the team. • Serve as the champion for quality and efficiency of model development. • Ensure safe and scalable growth of the model portfolio. • Collaborate with other modelling teams across Monzo on best practices and latest technologies. • Work with external data suppliers and industry peers to push innovation frontiers.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £100,000 to £160,000 plus benefits. • Work fully remote within the UK with occasional travel to London, or hybrid from the London office. • Receive a MacBook and extra support for work-from-home setup. • Receive a £1,000 annual learning budget for books, training courses, and conferences. • Benefit from flexible working hours and trust-based scheduling. • Access visa sponsorship and relocation support to the UK.

Monzo is a digital bank on a mission to make money work for everyone, serving over 15 million customers. The Borrowing team builds innovative, responsible lending products that have seen stellar growth and deep engagement with millions of borrowers, supported by effective credit risk and machine learning expertise. Product portfolios are expanding from personal to business credit and to markets beyond the UK.