The opportunity
Borrowing is one of Monzo’s most important growth engines. We’ve built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe.
What you'll do
improving performance across our range of products
unlocking new data and faster model development
helping Monzo build underwriting that scales into new markets
shaping how advanced ML and AI can create real value in Borrowing
Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion
Faster model improvement through new data and feature engineering
What they're looking for
- 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
