Machine Learning Manager, Borrowing
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Job Summary
Were on a mission to make money work for everyone.
Were 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 aspersonal 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 andcombine 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!
Were not about selling products - we want to solve problems and change lives through Monzo
London UK remote 100000 to 160000 (dependant on level) BenefitsHear from the team
About us:
At Monzo we want 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.
Our range of borrowing products serve the important needs of our customers and are critical to Monzos mission. We have seen stellar growth and deep engagement with millions of borrowers supported by effective credit risk and machine learning expertise. Our product portfolios are still expanding fast from personal to business credit and to markets beyond the UK. We are looking for bright passionate and creative individuals to further accelerate our growth.
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 youll drive innovations by identifying new opportunities of data and ML applications and delivering business values across multiple Borrowing products. Youll 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. Youll also have the opportunities to work with external data suppliers and industry peers to push the innovation frontiers for the credit industry.
With excellent technical skills youll also spearhead the continuous development of our toolings methodologies and processes to empower the team to / build better models easier and faster. Youll serve as the champion for the quality and efficiency of model development and ensure safe and scalable growth of our model portfolio. Youll also have plenty opportunities to work with other modelling teams across Monzo to collaborate on the best practices and latest technologies.
Our technology stack
We rely heavily on the following tools and technologies (although we do not expect applicants to have prior experience of all them):
- 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
The Interview Process
- 30 Recruiter Call
- 45 Initial Call
- 60 ML technical skill interview
- 60 People Leadership interview
- 60 Product ML interview
- 60 Project deep dive
All interviews will be conducted through Google Meet.
Whats in it for you:
100000 to 160000 & benefits
We can help you relocate to the UK
We can sponsor visas
This role can be either based in our London office with hybrid working pattern or fully remote within UK with occasional travel to London.
We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.
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 1000 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 were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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.
Were 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 dont need full or birth names at application stage
Required Experience:
Manager
Key Skills
About Company
Organise, save & invest with a free UK current account, joint account or business account. Make your money more Monzo.
