About Us
We’re on a mission to make money work for everyone. We care deeply about our 15+ million customers. Our products are different by design: through magically simple products and actionable insights, we put our customers in control of their finance.
About The Role
The mission of Borrowing Machine Learning Scientists is to improve the customer and business outcomes through better automated decisioning, using Machine Learning and statistical modelling. We have a primary focus in credit risk modelling, with our expertise also applied to predict and optimise utilisation, pricing, collection and marketing.
You will be taking a hands‑on technical leadership role, managing a small team of Senior ML Scientists. With in‑depth knowledge and experience in the credit industry, you’ll drive innovations by identifying new opportunities of data and ML applications, and delivering business values across multiple Borrowing products. You’ll have a close relationship with leaders across Credit Strategy, Products, Model Validation and Engineers, with whom you will drive and influence strategic decisions and product roadmaps. You’ll also have opportunities to work with external data suppliers and industry peers, to push the innovation frontiers for the credit industry.
With excellent technical skills, you’ll also spearhead the continuous development of our tooling, methodologies, and processes, to empower the team to build better models easier and faster. You’ll serve as the champion for the quality and efficiency of model development, and ensure safe and scalable growth of our model portfolio. You’ll also have plenty opportunities to work with other modelling teams across Monzo, to collaborate on best practices and latest technologies.
Our Technology Stack
- Google Cloud Platform for all of our analytics usages
- BigQuery SQL and dbt for our data modelling and warehousing
- PyData stack for model development and offline deployment
- Google AI platform for cloud computing
- AWS for backend infrastructure
- Python for ML model microservices
- Go lang for most other microservices
- AI toolings for productivity (an evolving list)
- Google suites including access to Gemini
- ChatGPT Enterprise
- Claude code
You Should Apply If
- You are result oriented and motivated by the impact on our customers and business
- You thrive in a fast‑paced environment and comfortable with frequent context switching
- You enjoy both the strategic thinking and influence, as well as hands‑on solving technical problems
- You want to build trust and influence a diverse range of leaders and stakeholders
- You like inspiring people around you, with innovative thinking and high standard execution
You Must Have
- Excellent technical skills in Python, SQL, and statistics
- Extensive knowledge of the credit industry, including the products, data, typical ML applications, and related regulations
- Hands‑on experience across the lifecycle of credit risk models, including project scoping, data curation, model optimisation, performance analysis, deployment, monitoring, and diagnosis
- Successful track record of managing complex projects, with cross‑functional teams and senior stakeholders
- Experience of mentoring and coaching senior ICs
- Previous experience of managing data and model governance in a regulated business
What’s In It For You
- £100,000 to £160,000 plus benefits
- Relocation assistance to the UK
- Visa sponsorship
- Hybrid working from London office or fully remote within UK with occasional travel to London
- Work‑from‑home setup, all employees are given MacBooks, and fully remote workers receive extra support
- Flexible working hours and trust to work the hours that fit you and your team
- Learning budget of £1,000 per year for books, training courses and conferences
- See our full list of benefits (link removed for brevity)
Equal Opportunities
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. 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, 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.
Location & Compensation
London | UK remote | £100,000 to £160,000 (dependent on level) +
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