Senior Machine Learning Manager, Borrowing

Навыки

• AWS
• BigQuery
• Общение с клиентами
• dbt
• Google Cloud
• Лидерство
• LLM

О компании и продукте

• 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 :

Задачи

• 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
• Python for ML services
• Go for backend services
• AI tooling for productivity
• Google Workspace including Gemini
• ChatGPT Enterprise

Требования

• 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 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
• Leadership and delivery
• 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
• It would be great if you also have
• Experience across more than one market
• Experience with advanced ML methods and AI on structured financial data
• The interview process
• 30 min Recruiter Call
• 45 min Initial Call
• 60 min ML technical interview
• 60 min People Leadership interview
• 60 min Product / Credit ML interview
• All interviews will be conducted through Google Meet

Условия

• £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, 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
• Equal opportunities for everyone
• Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo
• At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us
• This is integral to our mission of making money work for everyone
• You can read more in our blog , 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report
• We’re an equal opportunity employer
• All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status
• 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 ✨

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