Requirements
* 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
* 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 the job involves
* 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 the 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 toolings, 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 the best practices and latest technologies
* 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
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