Lead Insurance Pricing Analyst

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London/Cardiff/UK Remote | 💰 £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits  ✨ ABOUT OUR MACHINE LEARNING FINCRIME TEAM: Our Financial Crime Data team consists of over 25 people across 4 data specialisms: Analytics Engineers, Data Analysts, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll be working in a fast moving environment, building and iterating on our financial crime defensive capabilities to ensure we keep Monzo and our customers safe. Our financial crime team has a large impact on Monzo’s bottom line as fraud and scams are usually some of the largest cost line items in a bank's P&L. We have a major influence on the overall customer experience and it’s our duty to keep our customers safe. The work we do results in directly measurable customer or company benefit, which is incredibly satisfying. Our Machine Learning Scientists work on a range of problems within the different financial crime areas ranging from fraud detection and prevention, transaction monitoring for different types of suspicious activity through to customer risk assessment and operational tooling. WHAT YOU’LL BE WORKING ON: A Lead Machine Learning Scientist at Monzo is a technical Individual Contributor (IC) leadership position. As a technical Machine Learning expert, working with billions of rows of data stored on a modern cloud native data platform, we’ll be expecting you to leverage your deep experience of developing and deploying advanced Machine Learning models to: * Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs * Adapt quickly and appropriately to changing fraud and financial crime trends, ensuring our detection systems remain performant through time. The technical approaches you take to help solve these problems will be very much in your hands and we’ll strongly encourage and support experimentation and innovation. We’ll be expecting you to justify and demonstrate effectiveness along the way, making sure the approach meets our business and customer needs. YOUR DAY-TO-DAY: As a technical individual contributor, you’ll be providing technical leadership and shipping highly impactful ML-based solutions. You’ll be embedded in a cross functional product squad, working closely with product managers, data scientists, backend engineers and designers in an agile environment. You’ll also be a technical leader within the Machine Learning discipline, helping to steer technical work and drive up standards. This will involve: * Working with stakeholders across the organization to identify and scope out the most impactful opportunities to tackle Financial Crime and Fraud with Machine Learning. * Leading the design and development of advanced real time Machine Learning models, for example exploring how neural network, graph-based, and sequence-based architectures can drive improvements in detection of financial crime. * Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others. * Working closely with our MLOps team to steer the ongoing development of tools to enable rapid iteration of models and optimisations of the full ML model lifecycle. YOU SHOULD APPLY IF: What we’re doing here at Monzo excites you! * You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems preferably in a fast moving tech company * You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact * You're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production * You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so * Reducing financial crime and protecting customers with data driven strategies sounds exciting to you * You have extensive experience writing production Python code and a strong command of SQL. You are comfortable using them every day, and keen to learn Go lang which is used in many of our backend microservices * You’re comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity * You want to be involved in building a product that you (and the people you know) use every day * You have a product mindset: you care about customer outcomes and you want to make data-informed decisions * You're excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain * You’re adaptable, curious and enjoy learning new technologies and ideas NICE TO HAVES: * Experience working with financial crime and in regulated institutions * Commercial experience writing critical production code and working with microservices THE INTERVIEW PROCESS: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! * 30 minute recruiter call * 45 minute call with hiring manager * 60 minute ML Modelling interview * 60 minute Product & ML interview * 60 minute behavioural interview Our average process takes around 3-4 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. Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason. What’s in it for you: ✈️ 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 training courses and conferences ➕And much more, see our full list of benefits here If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance #LI-REMOTE #LI-SR1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by 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, 2026 Diversity and Inclusion Report and 2025 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. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍LONDON/CARDIFF/UK REMOTE | 💰 £115,000 - £150,000 + INCENTIVE AWARDS TIED TO YOUR PERFORMANCE + BENEFITS  ✨ ABOUT OUR MACHINE LEARNING SEARCH TEAM We are currently embarking on one of our two top strategic priorities to make Money work for Everyone: building the Monzo Co-pilot. We are becoming an intelligent, proactive ally that handles the complexity of users financial life. We aren't just selling financial products; we are building a truly smart agent that understands users, anticipates their needs, and helps people reach their financial goals. Our ML Search team brings together Backend, Product, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll build and ship models that help customers search for and find answers about their financial lives. You'll make it effortless for them to find the right products at the exact moment they need them. Whether it’s surfacing the right savings product at the perfect moment, helping customers manage their spending, or simplifying financial planning, our work makes banking smarter, more intuitive, and truly customer-first. WHAT YOU’LL BE WORKING ON: As a Lead Machine Learning Scientist, you'll be a technical leader and individual contributor. We have a modern, cloud-native data platform with billions of rows of data built for fast iterations. You'll leverage your deep expertise to develop and deploy advanced ML models to our more than 15 million customers.   Your work may involve user and product embeddings to better understand customer behaviours, contextual bandits for optimising real-time decisions, or personalised ranking algorithms that improve search and discovery. You'll also build scalable, explainable, and responsible AI solutions that enhance trust, transparency, and the overall customer experience.   The technical approaches you take to help solve customer problems will be very much in your hands and we’ll strongly encourage and support experimentation and innovation. We’ll be expecting you to justify and demonstrate effectiveness along the way, making sure the approach meets our business and customer needs.   YOU SHOULD APPLY IF: What we’re doing here at Monzo excites you! * You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems preferably in a fast moving tech company * You have experience developing and shipping state of the art ML models to production and delivering business impact * You're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production * You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so * You speak Python fluently and have extensive, hands-on experience with scikit-learn. You are comfortable using SQL, and keen to learn Go lang which is used in many of our backend microservices * You’re comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity * You want to be involved in building a product that you (and the people you know) use every day * You have a product mindset: you care about customer outcomes and you want to make data-informed decisions * You're excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain * You’re adaptable, curious and enjoy learning new technologies and ideas NICE TO HAVES: * Experience working on personalisation, ranking & recommendation problems for consumer applications * Commercial experience writing critical production code and working with microservices THE INTERVIEW PROCESS: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! * 30 minute recruiter call * 45 minute call with hiring manager * 60 minute ML Modelling interview * 60 minute Product & ML interview * 60 minute behavioural interview Our average process takes around 3-4 weeks but we will always work around your availability. #LI-REMOTE #LI-SR1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by 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, 2026 Diversity and Inclusion Report and 2025 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. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   London/Cardiff/UK Remote | 💰 £150,000–£180,000 + Incentive Awards tied to your performance + Benefits✨ OUR WORKFORCE SYSTEMS TEAM ⭐ Customer Operations at Monzo is at the heart of delivering fast, safe and high-quality support to millions of customers. As Monzo grows, the way we run operations is evolving. We’re supporting more customers, more products, more markets, more regulatory expectations, and a growing mix of human and AI-powered service. This creates one of the most interesting operational systems challenges at Monzo: how do we forecast demand, plan supply, schedule work, route tasks, understand live performance, and make capacity decisions across an increasingly complex global operation? Workforce systems are central to this. They help determine how Monzo matches customer demand with human and AI capacity, how we protect service levels, how we make cost and capacity trade-offs, and how we keep support fast, safe and reliable as we scale. The next phase is about building the workforce systems that allow Monzo to keep scaling Customer Operations as we expand our products, global footprint and AI capabilities - supporting our mission to make money work for everyone. This role will lead that next phase. You’ll sit at the intersection of Data, Product, Engineering, Operations and Finance. You’ll shape the technology, data products and operating systems that help Monzo understand demand, plan capacity, schedule work, measure execution, assign tasks, and respond to live operational change. You’ll work on capabilities that make workforce decisions more accurate, more automated, more explainable and more resilient as the business grows. You’ll also build and develop the team and capability needed for this next stage - raising the bar for forecasting, measurement, operational data products and system-led workforce decisioning. You don’t need to come from a traditional Workforce Management or contact centre background. We’re looking for a senior data-product systems leader who can reason from first principles, build scalable operational systems, and lead through ambiguity across multiple disciplines. 🔑 YOU’LL PLAY A KEY ROLE BY… * Leading the strategy for Monzo’s Workforce Systems, across forecasting, capacity planning, scheduling, work status, task assignment and service performance. * Building and developing a high-performing team across forecasting, measurement, analytics and operational data products, while helping shape the wider workforce systems roadmap with Product and Engineering. * Building production-grade data products that support live operational decisions - including forecasting, schedule fit, work-status signals, capacity impact, throughput and service-performance measures. * Improving how we forecast and plan demand, including forecast accuracy, bias, uncertainty, feedback loops, and the impact of new products, new markets, AI agents and changing customer behaviour. * Connecting forecasts, schedules and live execution, so teams can understand how operational reality is changing and take action at the right time. * Developing stronger system controls for capacity decisions, including forecast releases, demand changes, operational process changes, tooling launches and staffing decisions. * Evolving how Forecast Change Requests and capacity-impacting changes work, moving toward system-supported decisioning, impact assessment and guardrails. * Partnering deeply with Product and Engineering to define and build the workflows, metrics, controls and technical capabilities that help teams make better workforce decisions. * Helping evolve task assignment and routing, so work is allocated based on schedule, skill, capacity, prioritisation logic and live service needs. * Raising the analytical and statistical bar across workforce planning and service performance, helping teams reason clearly about forecast error, AHT, workload, volatility, throughput, schedule adherence and customer outcomes. * Transforming the operating model for the next stage of scale, helping teams move toward exception-based operation, feedback loops and system-led control. * Working with senior leaders across Ops, Data, Product, Engineering and Finance to make trade-offs between service quality, cost, capacity, risk and speed of execution. 🤩 WE’D LOVE TO HEAR FROM YOU IF… * You’ve led data products, forecasting systems, marketplace systems, logistics systems, operational platforms or live decision systems where data and models directly influenced how a business operated. * You have strong first-principles systems thinking and can break complex operational problems into clear components, feedback loops, controls and product opportunities. * You have strong statistical judgement - you understand forecasting, uncertainty, bias, volatility, measurement quality, and when a metric is ready to support an operational decision. * You’re product-minded: you think about users, workflows, incentives, adoption, decision points, and how tooling can make good decisions easier. * You’re credible with Engineering and can partner on architecture, reliability, system design, productisation, sequencing and trade-offs. * You’ve built, led or scaled teams working across data, product, engineering or operational systems. * You’re comfortable working in live operational environments, where decisions affect customers, cost, risk, regulation and service performance. * You can lead through ambiguity and influence senior stakeholders across Product, Engineering, Data, Ops and Finance. * You’re a builder-leader: you’ve created teams, systems, processes or capabilities that scale. * You’re excited by the challenge of building workforce systems for a future where human and AI capacity operate together. * You’re motivated by Monzo’s mission to make money work for everyone, and by the role Operations plays in delivering fast, safe and high-quality customer support as we grow. 👀 YOUR BACKGROUND COULD LOOK LIKE… You may have worked in data science, data products, operational systems, forecasting, marketplace operations, logistics, planning systems, routing, service platforms, AI-enabled operations, or another complex supply/demand environment. Experience in Workforce Management, customer operations, outsourcing, or contact centres would be useful, but it’s not required. We care more about your ability to understand complex systems, build data products that power operational decisions, and lead across Data, Product, Engineering and Operations. You also don’t need to be the deepest hands-on forecaster or ML engineer yourself, but you should know what good looks like, set a high bar, and build the team and systems around you. 🌍 THE OPPORTUNITY This is a senior technology and data leadership role focused on building the next generation of workforce systems at Monzo. The role sits at the intersection of Data Science, Product, Engineering and Operations. It needs someone who can bring statistical judgement, product thinking, technical credibility and people leadership together to shape systems used in live operational decision-making. You’ll help Monzo continue to scale Customer Operations as our product set, customer base, AI capabilities and global footprint grow. That means building systems that help us serve customers quickly and safely, use human and AI capacity well, and make high-quality operational decisions in increasingly complex environments. 🙌 WHAT’S IN IT FOR YOU 💰 £120,000–£175,000 + Benefits ✈️ We’ll help you relocate to the UK, if applicable ✅ We can sponsor your visa 📍 This role can be based in our London office, but we’re open to distributed working within the UK, with occasional 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 📚 £1,000 learning budget each year to use on books, training courses and conferences 🏡 We’ll set you up to work from home; all employees are given MacBooks and remote workers get extra support for their home setup ➕ Plus lots more - read our full list of benefits 🧠 OUR INTERVIEW PROCESS We focus on real-world problem solving - not brainteasers. Our process usually includes: * 30 minute recruiter call * 45 minute hiring manager call * Interviews with senior leaders across Data, Product, Engineering and Operations We’ll explore how you think about: * building data products that operate inside live systems * forecasting, uncertainty and operational measurement * designing systems, controls and feedback loops * cross-functional leadership * service performance and operational trade-offs * building teams and capabilities for scale Our average process takes around 3-4 weeks, and we’ll always work around your availability ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by 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, 2026 Diversity and Inclusion Report and 2025 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. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊