Senior Machine Learning Manager, Borrowing

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

• 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

• Google Cloud Platform
• BigQuery SQL and dbt
• Python and the PyData stack
• Google AI Platform
• AWS
• Python for ML serv