[Hiring] Senior Machine Learning Manager, Borrowing @Monzo

Role Description

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.

We’re looking for a senior ML leader to help shape that next phase. You’ll lead a high-calibre team of ML scientists and help define Borrowing’s ML roadmap across UK growth, new customer segments, and EU expansion. You’ll work across underwriting, pricing, limits, and lifecycle decisioning — improving today’s 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

You’ll 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.

Qualifications

• 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

Requirements

• 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

Benefits

• £138,000 to £176,000 plus stock options & benefits
• Relocation assistance to the UK
• Visa sponsorship available
• Hybrid working pattern or fully remote within the UK with occasional travel to London
• Support for remote setups
• Flexible working hours
• Learning budget for books, training courses, and conferences
• And much more — see our full list of benefits here

Company Description

At 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. Our product offering has grown significantly in the last 10 years in the UK, including personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account, and credit cards. 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!