Senior Machine Learning Manager

Job 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:

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.

Examples of the challenges you could help lead:

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

💰 £138,000 to £176,000 ➕ plus stock options & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

🏡 We’ll 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

Responsibilities

• 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
• 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
• 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

Requirements

• 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
• 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