Senior Machine Learning Manager, Borrowing

Senior Machine Learning Manager, Borrowing

Cardiff, London or Remote (UK)

Overview

This role combines near term commercial impact with long term strategic advantage. You will lead a high calibre team of ML scientists and shape Borrowing's ML roadmap across UK growth, new customer segments, and EU expansion. You will work across underwriting, pricing, limits, and lifecycle decisioning to improve today's models and build the next generation of capability for 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
• Expanding 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

Tools and Technologies

• BigQuery SQL and dbt
• Python and the PyData stack
• Google AI Platform
• AWS
• Python for ML services
• Go for backend services
• AI tooling for productivity
• Google Workspace including Gemini
• ChatGPT Enterprise

Who you should apply if

• 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

Requirements 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

Interview process

• 30 min Recruiter Call
• 45 min Initial Call
• 60 min ML technical interview
• 60 min Product / Credit ML interview

Benefits

• Can help you relocate to the UK
• Can sponsor visas
• Role can be based in London office with hybrid working or fully remote within the UK, with occasional travel to London
• Support for working from home, including remote setup assistance
• Flexible working hours
• Learning budget for books, training courses and conferences

Equal opportunities for everyone

Diversity and inclusion are a priority for us. We're embracing diversity by fostering an inclusive environment for all people to do their best work. At Monzo, we're making sure we have lots of support for all our people. We provide an equal opportunity environment and consider all applicants without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or disability status.

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