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About the Role
Lead a high-calibre team of ML scientists to define Borrowing's ML roadmap across UK growth, new customer segments, and EU expansion. This role involves improving current models and building next-generation capabilities for underwriting, pricing, limits, and lifecycle decisioning, combining near-term commercial impact with long-term strategic advantage.
Responsibilities
- Define Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion.
- Drive faster model improvement through new data and feature engineering.
- Oversee Monzo's use of Open Banking, transaction intelligence, and external data in credit decisioning.
- Develop more portable underwriting capabilities across products, customer segments, and markets.
- Lead hiring, development, and management of a high-performing ML team.
- Elevate model quality, governance, tooling, and speed of iteration.
Requirements
- Strong knowledge of machine learning, statistics, and decisioning systems.
- Deep experience in credit risk and lending.
- Experience building, deploying, and iterating credit models in production.
- Experience pushing the innovation frontiers of the credit industry.
- Experience leading and developing senior ML scientists.
- Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation.
- Track record of turning strategy into practical delivery in a regulated environment.
Skills
- Credit and machine learning
- Machine learning
- Statistics
- Decisioning systems
- Credit risk
- Lending
- Model deployment
- Feature engineering
- Open Banking
- Transaction intelligence
- External data utilization
- Advanced ML methods
- AI on structured financial data
Location
- London
- Cardiff
- UK Remote
Work Type
- Hybrid working pattern (London)
- Fully remote within the UK
Experience Level
- Senior ML leader
- Leadership experience
Salary/Compensations
- £138,000 to £176,000
Benefits
- Incentive Awards tied to performance
- Stock options
- Relocation assistance to the UK
- Visa sponsorship
- Support for remote setups
- Flexible working hours
- Learning budget for books, training courses and conferences
About the Company
- We’re on a mission to make money work for everyone.
- We are waving goodbye to the complicated and confusing ways of traditional banking.
- Our product offering has grown significantly over the last 10 years in the UK, including personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account, and credit cards.
- We offer savings, investment, and pension services to our UK customers.
- We are known for our hot coral cards, get-paid-early feature, financial education on social media, and award-winning customer service.
- We aim to solve problems and change lives through our products.
Equal Opportunity
- 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.