Senior Machine Learning Manager, Borrowing
About the role
Senior ML leader to shape Borrowing’s ML roadmap, lead ML scientists, and scale underwriting capabilities across UK growth, new customer segments, and EU expansion for Monzo’s Borrowing products.
Responsibilities
- Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion
- Faster model improvement through new data and feature engineering
- How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning
- More portable underwriting capabilities across products, customer segments, and markets
- Hiring, leading, and developing a high-performing ML team
- Raising the bar on model quality, governance, tooling, and speed of iteration
Qualifications
- 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
Benefits
- Stock options & benefits
- Relocation support to the UK
- Visa sponsorship
- Hybrid/remote working within the UK with occasional travel to London
- Home office setup support
- Flexible working hours
- Learning budget for books, training courses and conferences
- Full benefits package (see company benefits)
About Monzo Bank
A bank as smart as your phone.
YC has written a good overview of our business on their blog: https://blog.ycombinator.com/monzo-makes-money-work-for-everyone/ Our mission is to make money work for everyone. We are the UK's leading digital bank for individuals and businesses, reinventing the traditional banking industry one customer at a time. We're relentlessly mission driven and always put our customers first - from what products we chose to launch next to our transparency and use of simple language. With a Net Promoter Score of 70+, it shows. From our founding in 2015, we now have over 7 million customers in the UK (13% of UK adults) and are building out our team in the US. We've seen incredible organic growth, acquiring 150,000 customers / month in 2022, with 80% of this coming from word of mouth. Our weekly active user rate is ~60% and ~40% of our active users use us as their Main Bank account, showing that we are a product that is embedded in our users' daily lives. We've grown to ~2,450 staff (~400 of which make up the product/tech team), and are backed by YC, Stripe, Tencent, Mike Moritz, and others. Internally, we encourage an open, collaborative, and inclusive working environment - we were voted the #1 startup where people in the UK want to work for the second year running in 2022. We contribute to open source software, and we continually engage with our wonderful community. We're hiring talented, creative problem-solvers to help us build the bank of the future. Join us!
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