Senior Machine Learning Manager, Borrowing

🚀 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 | 💰 £138,000 to £176,000 + Incentive Awards tied to your performance +benefits | Hear from the team ✨ About the roleBorrowing 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 productsunlocking new data and faster model developmenthelping Monzo build underwriting that scales into new marketsshaping how advanced ML and AI can create real value in BorrowingYou’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. What you’ll ownBorrowing ML roadmaps across UK optimisation, new customer segments, and EU expansionFaster model improvement through new data and feature engineeringHow Monzo uses Open Banking, transaction intelligence, and external data in credit decisioningMore portable underwriting capabilities across products, customer segments, and marketsHiring, leading, and developing a high-performing ML teamRaising the bar on model quality, governance, tooling, and speed of iterationWhat you’ll be working onExamples of the challenges you could help lead:Improving underwriting models across Loans, Flex, and OverdraftsExpand the data we use in our modelsBuilding better feature engineering and model shipping capabilityImproving transaction intelligence for credit use casesDeveloping underwriting capabilities for new customer segments and EU marketsShaping Monzo’s approach to advanced ML and AIOur technology stackWe rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them:Google Cloud PlatformBigQuery SQL and dbtPython and the PyData stackGoogle AI PlatformAWSPython for ML servicesGo for backend servicesAI tooling for productivityGoogle Workspace including GeminiChatGPT EnterpriseClaude CodeYou should apply ifYou want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechsYou enjoy combining strategic leadership with strong technical judgmentYou’re excited by the intersection of underwriting, data, product, and platform capabilityYou like building teams as much as building modelsYou care about real customer and business impactYou must haveCredit and machine learningStrong knowledge of machine learning, statistics, and decisioning systemsDeep experience in credit risk and lendingExperience building, deploying, and iterating credit models in productionExperience pushing the innovation frontiers of the credit industryLeadership and deliveryExperience leading and developing senior ML scientistsStrong cross-functional leadership with Product, Credit Strategy, Engineering, and ValidationTrack record of turning strategy into practical delivery in a regulated environmentIt would be great if you also haveExperience across more than one marketExperience with advanced ML methods and AI on structured financial dataThe interview process30 min Recruiter Call45 min Initial Call60 min ML technical interview60 min People Leadership interview60 min Product / Credit ML interviewAll interviews will be conducted through Google Meet.What’s in it for you💰 £138,000 to £176,000 ➕ 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.🏡 We’ll set you up to work from home, i