Machine Learning Manager, Borrowing

• Take a hands-on technical leadership role managing a small team of Senior ML Scientists focused on credit risk modelling. • Drive innovation by identifying new opportunities for data and ML applications across Borrowing products including personal and business credit. • Apply ML expertise across credit risk, utilisation, pricing, collection, and marketing optimisation. • Spearhead the continuous development of tooling, methodologies, and processes to help the team build better models faster. • Serve as champion for model quality, efficiency, and the safe and scalable growth of the model portfolio. • Build close relationships with leaders across Credit Strategy, Products, Model Validation, and Engineering to influence strategic decisions and product roadmaps. • Collaborate with other modelling teams across Monzo on best practices and latest technologies.

• 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, 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. • Be results-oriented and motivated by impact on customers and business outcomes. • Be comfortable with frequent context switching and strategic thinking alongside hands-on technical problem-solving.

• Have experience with Google Cloud Platform, BigQuery, and dbt for data modelling and warehousing. • Have experience with the PyData stack and Google AI Platform for model development and deployment. • Have experience working with external data suppliers and industry peers on credit innovation. • Have experience working across markets beyond the UK in a credit or lending context.

• Lead and manage a small team of Senior ML Scientists within the Borrowing collective. • Drive ML innovation across credit risk, pricing, utilisation, collection, and marketing. • Deliver business value across multiple Borrowing products through improved automated decisioning. • Develop and evolve team tooling, methodologies, and model development processes. • Ensure quality, efficiency, and governance across the model portfolio. • Influence strategic decisions and product roadmaps alongside Credit Strategy, Product, and Engineering leaders. • Collaborate with external data suppliers and industry peers to push innovation frontiers. • Work with modelling teams across Monzo to share best practices and adopt new technologies.

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 dependent on level, plus benefits. • Receive visa sponsorship and relocation support to the UK. • Work fully remotely from anywhere in the UK, with occasional travel to London. • Receive a Macbook and additional home office setup support for remote workers. • Enjoy flexible working hours with trust to work in a way that suits you and your team. • Access a £1,000 annual learning budget for books, training courses, and conferences. • Use AI productivity tooling including ChatGPT Enterprise, Claude Code, and Gemini.

Monzo is on a mission to make money work for everyone — building magically simple products that put customers in control of their finances. With over 15 million customers and a rapidly expanding range of borrowing products spanning personal loans, credit cards, and business credit, Monzo's Borrowing Machine Learning team drives better customer and business outcomes through advanced automated decisioning, credit risk modelling, and ML innovation.