Senior Machine Learning Manager

Monzo Bank; Greater London; Remote; GBP 30,000 - 50,000; Full time

Benefits offered by this job

Stock options

Incentive awards

Relocation support

Hybrid/remote UK option

Learning budget

Job summary

Monzo Bank is seeking a senior ML leader to head Borrowings ML across the UK and EU, driving credit risk, underwriting, and decisioning innovations. You will guide a high-performing team, integrating Open Banking and external data to improve lending models while expanding to new customer segments and markets.

The role emphasizes leadership in regulated environments, multi-market experience, and a track record of delivering practical ML solutions in production with strong cross-functional

Qualifications

• We want strong knowledge of machine learning, statistics, and decisioning systems.
• We want deep experience in credit risk and lending.
• We want experience building, deploying, and iterating credit models in production.
• We want experience pushing the innovation frontiers of the credit industry.
• We want experience leading and developing senior ML scientists.
• We want strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation.
• We want a 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.
• It would be great if you also have experience with advanced ML methods and AI on structured financial data.

Responsibilities

• We will lead a high-calibre team of ML scientists and help define Borrowings ML roadmap across UK growth, new customer segments, and EU expansion.
• We will work across underwriting, pricing, limits, and lifecycle decisioning, improving todays models while helping build the next generation of capability for Monzo.
• We will own Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion.
• We will drive faster model improvement through new data and feature engineering.
• We will shape how Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning.
• We will build more portable underwriting capabilities across products, customer segments, and markets.
• We will hire, lead, and develop a high-performing ML team.
• We will raise the bar on model quality, governance, tooling, and speed of iteration.
• We will help improve underwriting models across Loans, Flex, and Overdrafts.
• We will expand the data we use in our models.
• We will build better feature engineering and model shipping capability.
• We will improve transaction intelligence for credit use cases.
• We will develop underwriting capabilities for new customer segments and EU markets.
• We will shape our approach to advanced ML and AI.

Skills

Machine learning

Statistics

Credit risk

Credit modeling

Model deployment

Leadership of ML teams

Cross-functional leadership

Regulated delivery

Multi-market experience

Advanced ML on financial data

Job description

Salary: £30,000 - 50,000 per year

Requirements

• We want strong knowledge of machine learning, statistics, and decisioning systems.
• We want deep experience in credit risk and lending.
• We want experience building, deploying, and iterating credit models in production.
• We want experience pushing the innovation frontiers of the credit industry.
• We want experience leading and developing senior ML scientists.
• We want strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation.
• We want a 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.
• It would be great if you also have experience with advanced ML methods and AI on structured financial data.

Responsibilities

• We will lead a high-calibre team of ML scientists and help define Borrowings ML roadmap across UK growth, new customer segments, and EU expansion.
• We will work across underwriting, pricing, limits, and lifecycle decisioning, improving todays models while helping build the next generation of capability for Monzo.
• We will own Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion.
• We will drive faster model improvement through new data and feature engineering.
• We will shape how Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning.
• We will build more portable underwriting capabilities across products, customer segments, and markets.
• We will hire, lead, and develop a high-performing ML team.
• We will raise the bar on model quality, governance, tooling, and speed of iteration.
• We will help improve underwriting models across Loans, Flex, and Overdrafts.
• We will expand the data we use in our models.
• We will build better feature engineering and model shipping capability.
• We will improve transaction intelligence for credit use cases.
• We will develop underwriting capabilities for new customer segments and EU markets.
• We will shape our approach to advanced ML and AI.

Technologies

• AI
• Support
• Machine Learning
• Backend
• Cloud
• SQL

More

We are Monzo, a fintech on a mission to make money work for everyone by replacing complicated traditional banking with simple, customer-focused products. Over the last 10 years in the UK, our offering has grown from a prepaid card to personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account, credit cards, savings, investments, and pension combining. We are known for our hot coral cards, get-paid-early feature, social media financial education, and award-winning customer service. This role is based in London, Cardiff, or remotely within the UK, with a salary of 138,000 to 176,000 plus incentive awards, stock options, and benefits. We can help with UK relocation, sponsor visas, offer a hybrid London option or fully remote UK working with occasional travel to London, provide support for home working, flexible hours, and a learning budget for books, training courses, and conferences. We are committed to equal opportunities and fostering an inclusive environment where everyone can do the best work of their lives.

last updated 40 week of 2026