Senior Machine Learning Scientist, Borrowing

ABOUT THE ROLE We're on a mission to make money work for everyone at Monzo, a leading digital bank that's revolutionizing the way people manage their finances. As a Borrowing ML Scientist, you'll play a critical role in improving customer and business outcomes through better automated decisioning using Machine Learning and Statistical modelling. WHAT YOU'LL DO You'll work alongside a team of experienced ML Scientists to develop and deploy Machine Learning models that drive business growth and customer satisfaction. Your primary focus will be on credit risk modelling, with expertise also applied to predict and optimise utilisation, pricing, collection and marketing. You'll be empowered to innovate in data, methodologies and toolings to build better models faster. You'll have exposure to all Borrowing products and applications, with autonomy to decide what topics to work on and how to deliver them. You'll collaborate closely with Credit Strategy Managers, Model Validation Analysts, Backend Engineers, and Product Managers to fit your model development into the product roadmap. WHAT YOU'LL NEED To succeed in this role, you'll need: - Excellent SQL and Python skills with a good understanding of best practices in software engineering and data engineering - In-depth knowledge of statistical and machine learning models, including gradient boosted trees, logistic regression, neural networks, survival analysis, etc - Solid knowledge of statistics, including hypothesis testing, confidence intervals, bootstrap - Experience of end-to-end model development and maintenance of ML models used for business critical automated decisioning 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 WHY REMOTE As a remote worker at Monzo, you'll have the flexibility to work from anywhere, while still being part of a dynamic and collaborative team. Our remote work setup allows for seamless communication and collaboration, ensuring that you're always connected to your colleagues and stakeholders. BENEFITS Monzo offers a competitive salary of £86,000-105,000, plus Incentive Awards tied to your performance, and a range of benefits, including access to cutting-edge technology, opportunities for growth and development, and a dynamic and supportive work environment.