Senior ML Leader — Credit Risk & Underwriting (Remote UK)

Jobicy; Greater London; Hybrid; GBP 138,000 - 176,000; Full time

Job summary

Monzo is seeking a senior ML leader to own the Borrowing ML roadmap across UK growth, new customer segments, and EU expansion. You will lead senior ML scientists, improve underwriting, pricing, limits, and lifecycle decisioning, and partner with Product, Engineering, Credit Strategy, Model Validation, Data, and Platform teams.

The role offers a fully remote option for UK-based candidates with occasional travel to London, plus stock options and benefits.

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 leading and developing senior ML scientists.
• Cross-functional leadership with Product, Credit Strategy, Engineering, and Validation.

Responsibilities

• Lead Borrowing ML roadmaps across UK optimisation and EU expansion.
• Improve underwriting models across Loans, Flex, and Overdrafts.
• Hire, lead, and develop a high-performing ML team.
• Collaborate with Credit Strategy, Product, Engineering, and Validation teams.
• Shape how advanced ML and AI create value in Borrowing.

Skills

Machine Learning

Credit Risk Modelling

Underwriting

Statistical Modelling

Lending Decisioning

Model Deployment

Feature Engineering

Python

SQL

BigQuery

Google Cloud Platform

Open Banking Data

Model Governance

People Leadership

Cross-functional Leadership

Tools

Google Cloud Platform

BigQuery

Python

SQL

AWS

Go

dbt

Job description

Monzo is seeking a senior ML leader to own the Borrowing ML roadmap across UK growth, new customer segments, and EU expansion. You will lead senior ML scientists, improve underwriting, pricing, limits, and lifecycle decisioning, and partner with Product, Engineering, Credit Strategy, Model Validation, Data, and Platform teams.

The role offers a fully remote option for UK-based candidates with occasional travel to London, plus stock options and benefits.