Senior Machine Learning Scientist, Borrowing
Cardiff, London or Remote (UK)
We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. 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. We’re not about selling products – we want to solve problems and change lives through Monzo.
About the role
The mission of Borrowing ML Scientists is to improve the customer and business outcomes through better automated decisioning, using Machine Learning and statistical modelling. We have a primary focus on credit risk modelling, with our expertise also applied to predict and optimise utilisation, pricing, collection and marketing.
Responsibilities
* Own multiple ML applications end‑to‑end, from experiment design and data curation to deployment and monitoring.
* Collaborate with Credit Strategy Managers, Model Validation Analysts, Backend Engineers and Product Managers to align model development with the product roadmap.
* Work independently on impactful topics across borrowing products, deciding priorities and delivery.
* Use and improve data, methodologies and toolings to build better models faster.
* Influence product and credit strategy beyond model development.
Qualifications
* Excellent SQL and Python skills with a strong understanding of best practices in software engineering and data engineering.
* In-depth knowledge of statistical and machine learning models: gradient boosted trees, logistic regression, neural networks, survival analysis, etc.
* Solid knowledge of statistics: hypothesis testing, confidence intervals, bootstrap.
* Experience of end‑to‑end model development and maintenance of ML models in a consumer‑facing industry.
* Great attention to detail while keeping an eye on the big picture.
* Excellent communication skills to articulate complex problems.
* Capability to build mutual respect and trust with people of different backgrounds.
Nice to have
* Experience in UK/EU retail lending for personal or business customers.
* Experience of ML model governance in a regulated industry.
* Experience with modern AI tools for productivity.
Equal opportunity
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, or veteran, neurodiversity or disability status.
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