Senior Machine Learning Manager, Borrowing

Were on a mission to make money work for everyone.

Were 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 aspersonal 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 andcombine 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!

Were not about selling products - we want to solve problems and change lives through Monzo

Borrowing is one of Monzos most important growth engines. Weve 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.

Were looking for a senior ML leader to help shape that next phase.

Youll lead a high-calibre team of ML scientists and help define Borrowings ML roadmap across UK growth new customer segments and EU expansion. Youll work across underwriting pricing limits and lifecycle decisioning improving todays models while helping build the next generation of capability for Monzo.

This role combines near-term commercial impact with long-term strategic advantage:

• 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

Youll partner closely with leaders across Credit Strategy Product Engineering Model Validation Data and Platform and influence decisions that shape both business performance and the long-term architecture of credit decisioning at Monzo.

• Borrowing ML roadmaps across UK optimisation new customer segments and EU expansion
• Faster model improvement through new data and feature engineering
• 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

Examples of the challenges you could help lead:

• Improving underwriting models across Loans Flex and Overdrafts
• Expand the data we use in our models
• Building better feature engineering and model shipping capability
• Improving transaction intelligence for credit use cases
• Developing underwriting capabilities for new customer segments and EU markets
• Shaping Monzos approach to advanced ML and AI

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

• Google Cloud Platform
• BigQuery SQL and dbt
• Python and the PyData stack
• Google AI Platform
• AWS
• Python for ML services
• Go for backend services
• AI tooling for productivity
• Google Workspace including Gemini
• ChatGPT Enterprise
• Claude Code

• You want to shape the next phase of credit decisioning at one of Europes most ambitious fintechs
• You enjoy combining strategic leadership with strong technical judgment
• Youre excited by the intersection of underwriting data product and platform capability
• You like building teams as much as building models
• You care about real customer and business impact

• Strong knowledge of machine learning statistics and decisioning systems
• Deep experience in credit risk and lending
• Experience building deploying and iterating credit models in production
• Experience pushing the innovation frontiers of the credit industry

• Experience leading and developing senior ML scientists
• Strong cross-functional leadership with Product Credit Strategy Engineering and Validation
• Track record of turning strategy into practical delivery in a regulated environment

• Experience across more than one market
• Experience with advanced ML methods and AI on structured financial data

• 30 min Recruiter Call
• 45 min Initial Call
• 60 min ML technical interview
• 60 min People Leadership interview
• 60 min Product / Credit ML interview

All interviews will be conducted through Google Meet.

138000 to 176000 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 with a hybrid working pattern or fully remote within the UK with occasional travel to London.

Well set you up to work from home including support for remote setups.

We offer flexible working hours and trust you to work in a way that lets you do your best work.

Learning budget for books training courses and conferences

And much more see our full list of benefits here

#LI-DC2 #LI-Remote

Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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.

Were 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 dont need full or birth names at application stage