Senior Machine Learning Manager, Borrowing

• Lead a high-calibre team of ML scientists and help define Borrowing's ML roadmap across UK growth, new customer segments, and EU expansion at one of Europe's most ambitious fintechs. • Work across underwriting, pricing, limits, and lifecycle decisioning — improving today's models while building the next generation of capability for Monzo. • Combine near-term commercial impact with long-term strategic advantage, shaping how advanced ML and AI create real value in Borrowing. • Work remotely from anywhere in the UK or from Monzo's London or Cardiff offices, with flexible working hours.

• Have strong knowledge of machine learning, statistics, and decisioning systems. • Bring deep experience in credit risk and lending. • Have experience building, deploying, and iterating credit models in production. • Have experience pushing the innovation frontiers of the credit industry. • Have experience leading and developing senior ML scientists. • Demonstrate strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation. • Show a track record of turning strategy into practical delivery in a regulated environment.

• Have experience across more than one market. • Bring experience with advanced ML methods and AI on structured financial data. • Have familiarity with Monzo's technology stack including GCP, BigQuery, dbt, Python/PyData, Google AI Platform, and AWS. • Have experience using Open Banking, transaction intelligence, and external data in credit decisioning. • Bring experience with AI productivity tooling such as Gemini, ChatGPT Enterprise, or Claude Code.

• Own Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion. • Drive faster model improvement through new data and feature engineering. • Shape how Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning. • Build more portable underwriting capabilities across products, customer segments, and markets. • Hire, lead, and develop a high-performing ML team. • Raise the bar on model quality, governance, tooling, and speed of iteration. • Improve underwriting models across Loans, Flex, and Overdrafts. • Expand the data used in models and build better feature engineering and model shipping capability. • Improve transaction intelligence for credit use cases. • Develop underwriting capabilities for new customer segments and EU markets. • Shape Monzo's approach to advanced ML and AI.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £138,000–£176,000 plus stock options and benefits. • Receive visa sponsorship and relocation assistance to the UK. • Work remotely from anywhere in the UK or from Monzo's London or Cardiff offices. • Work flexible hours in a way that lets you do your best work. • Receive a full work-from-home setup with support for remote setups. • Access a learning budget for books, training courses, and conferences.

Monzo is on a mission to make money work for everyone. Starting as a prepaid card, the product offering has grown over 10 years in the UK to include personal and business bank accounts, joint accounts, accounts for 16–17 year olds, free kids accounts, credit cards, savings, investments, and pension combining. Borrowing is one of Monzo's most important growth engines, with strong scale in the UK and ambitious plans to expand into new customer segments and build the underwriting capability needed to scale into Europe.