Senior ML Lead Credit Risk, Remote UK, Stock Options

Monzo Bank is seeking a senior ML leader to head Borrowings ML across the UK and EU, driving credit risk, underwriting, and decisioning innovations. You will guide a high-performing team, integrating Open Banking and external data to improve lending models while expanding to new customer segments and markets.

The role emphasizes leadership in regulated environments, multi-market experience, and a track record of delivering practical ML solutions in production with strong cross-functional

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