📍London or Remote (UK)  | 💰 £100,000 to £140,000 + Stock Options + Benefits

About Monzo:

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About the role:

The growth of Borrowing products is a key component of achieving Monzo’s mission to make money work for everyone. This area is a top priority for Monzo as a business. The mission of Borrowing Decision Scientists is to improve the customer and business outcomes through better decisioning.

You will be taking a technical leadership role in our usage of machine learning models for automated decisions in the Borrowing Collective, with a primary focus in credit risk. You will apply your in-depth technical knowledge and experience in the credit industry to help the team develop best-in-class credit risk models, with innovations through novel data and technology. You will be responsible for delivering business values across multiple Borrowing products, with a close relationship with our Credit Strategy team, Model Validation team, Backend Engineers, and Product Managers. You will be able to influence our model and data governance practices, to help our business grow fast and safely.

You should apply if:

  • You are motivated by the impact on our customers and business, and thrive in a fast-paced environment.
  • You have extensive knowledge of the credit industry, including the products, various data sources, typical machine learning applications, and related regulations.
  • You have hands-on experience across the lifecycle of credit risk models, including project scoping, data curation, model optimisation, performance analysis, deployment, monitoring, and diagnosis.
  • You have solid technical skills in Python, SQL, and statistics.
  • You have a successful track record of managing complex projects, with cross-functional teams and senior stakeholders.
  • You know how to inspire people around you, with innovative thinking and high standard execution.

Even better if:

  • You have previous experience of handling relationships with credit bureaux.
  • You have previous experience of developing data and model governance procedures.

Our technology stack

We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):

  • Google Cloud Platform for all of our analytics infrastructure
  • dbt and BigQuery SQL for our data modelling and warehousing
  • Python for data science
  • Go to write our application code
  • AWS for most of our backend infrastructure

The Interview Process:

Our interview process involves the following stages:

  • Recruiter Call
  • Take Home Task
  • Final Stages (booking in parallel)

    • Technical interview
    • Case study
    • Value & collaboration
    • Leadership
  • Hiring Manager interview

Our average process for this level role takes around 5-6 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

What’s in it for you:

💰 £100,000 to £140,000 ➕ plus stock options & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ 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 £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

Equal Opportunity Statement

We are actively creating an equitable environment for every Monzonaut to thrive.

Diversity and inclusion are a priority for us and we are making sure we have lots of support for all of our people to grow at Monzo. At Monzo, embracing diversity in all of its forms and 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,  2021 Diversity and Inclusion Report and 2022 Gender Pay Gap Report.

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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👤 Identity survey

Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. 

Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is:

  • Voluntary. And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not.
  • Anonymous to Monzo. We can't tie your responses to you and they won't make a difference to the outcome of your application. We'll only use grouped responses for equal opportunities monitoring in our hiring process.

For more information on how we'll use this data, please read our candidate privacy notice.

By filling out this survey, you agree that we can use your responses for the purposes we've mentioned above. You are not letting us know if we need to make any adjustments to the hiring process because of disability or neurodiversity - to do this please email us.

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