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 role

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.

What you’ll own

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

What you’ll be working on

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 Monzo’s approach to advanced ML and AI

Our technology stack

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 should apply if

You want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechs

You enjoy combining strategic leadership with strong technical judgment

You’re 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

You must have

Credit and machine learning

Strong knowle