Senior Machine Learning Manager, Borrowing

About the role

<div class="content-intro"><p><strong><em>🚀 We’re on a mission to make money work for everyone.</em></strong></p> <p>We’re waving goodbye to the complicated and confusing ways of traditional banking.</p> <p>After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as&nbsp;<a href="https://monzo.com/current-account/personal">personal</a> and <a href="https://monzo.com/business-banking">business</a> bank accounts, we offer <a href="https://monzo.com/current-account/joint-account">joint accounts</a>, <a href="https://monzo.com/current-account/16-17">accounts for 16-17 year olds</a>, a <a href="https://monzo.com/current-account/under-16s">free kids account</a> and <a href="https://monzo.com/flex">credit cards</a> in the UK, with more exciting things to come beyond. Our UK customers can also <a href="https://monzo.com/savings">save</a>, <a href="https://monzo.com/investments">invest </a>and&nbsp;<a href="https://monzo.com/pensions">combine their pensions</a> with us.&nbsp;</p> <p>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!</p> <p>We’re not about selling products - we want to solve problems and change lives through Monzo ❤️</p> <hr> <p>&nbsp;</p></div><h4><strong>📍London/Cardiff/UK Remote | 💰 £138,000 to £176,000 + Incentive Awards tied to your performance +<a href="https://monzo.com/careers#benefits">&nbsp;</a><a href="https://monzo.com/careers#benefits">benefits</a> |<a href="https://www.youtube.com/watch?v=U62l09nB0M4"> Hear from the team</a> ✨&nbsp;</strong></h4> <h4><strong>About the role</strong></h4> <p>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.</p> <p>We’re looking for a <strong>senior ML leader</strong> to help shape that next phase.</p> <p>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.</p> <p>This role combines <strong>near-term commercial impact</strong> with <strong>long-term strategic advantage</strong>:</p> <ul> <li>improving performance across our range of products</li> <li>unlocking new data and faster model development</li> <li>helping Monzo build underwriting that scales into new markets</li> <li>shaping how advanced ML and AI can create real value in Borrowing</li> </ul> <p>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.&nbsp;</p> <h4><strong>What you’ll own</strong></h4> <ul> <li>Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion</li> <li>Faster model improvement through new data and feature engineering</li> <li>How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning</li> <li>More portable underwriting capabilities across products, customer segments, and markets</li> <li>Hiring, leading, and developing a high-performing ML team</li> <li>Raising the bar on model quality, governance, tooling, and speed of iteration</li> </ul> <h4><strong>What you’ll be working on</strong></h4> <p>Examples of the challenges you could help lead:</p> <ul> <li>Improving underwriting models across Loans, Flex, and Overdrafts</li> <li>Expand the data we use in our models</li> <li>Building better feature engineering and model shipping capability</li> <li>Improving transaction intel

Skills