Senior Machine Learning Manager, Borrowing

Overview

In this role you lead a high-calibre ML team to shape Monzo’s Borrowing roadmap across UK growth, new customer segments, and EU expansion. You will improve underwriting, pricing, limits, and lifecycle decisions while building next-gen capabilities. You partner with Credit Strategy, Product, Engineering, and Data to drive measurable business impact and scalable credit decisioning. This is a chance to blend strategic leadership with hands-on ML work in a fast-growing fintech.

Pay / Benefits

• stock options
• relocation support
• visa sponsorship
• hybrid/remote with travel to London
• flexible working hours
• learning budget

Responsibilities

• Define Borrowing ML roadmaps for UK optimization, new segments, and EU expansion
• Accelerate model improvement via data and feature engineering
• Leverage Open Banking, transaction data, and external data in credit decisioning
• Develop portable underwriting capabilities across products and markets
• Recruit, mentor, and grow a high-performing ML team
• Raise model quality, governance, tooling, and iteration speed
• Collaborate with Credit Strategy, Product, Engineering, Validation, Data, and Platform to influence long-term architecture

Key requirements

• Credit and machine learning
• Strong knowledge of ML, statistics, and decisioning systems
• Deep experience in credit risk and lending
• Experience building, deploying, and iterating credit models in production
• Experience pushing innovation in the credit industry
• Leadership experience with senior ML scientists
• Cross-functional leadership with Product, Credit Strategy, Engineering, and Validation
• Track record turning strategy into practical delivery in regulated environments

• Strategic leadership
• Cross-functional collaboration
• Strong communication
• Credit risk modelling
• ML in production
• Feature engineering

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