Senior ML Leader - Borrowing (UK/Remote)

SoftwareCareers; Cardiff, Greater London; Hybrid; GBP 138,000 - 176,000; Full time

Benefits offered by this job

Stock options

Relocation assistance

Visa sponsorship

Hybrid or remote UK with travel to LDN

Learning budget

Job summary

Monzo is seeking a Senior Machine Learning Manager to guide the Borrowing ML roadmap and team. You’ll drive underwriting improvements and data-driven decisions across UK growth and EU expansion, partnering with Credit Strategy, Product, and Engineering to deliver scalable models.

You will lead a high-calibre ML team, raise model quality, governance, and tooling, while shaping how advanced ML and AI create real value in credit decisioning at Monzo. Remote-friendly UK role with travel.

Qualifications

• Deep knowledge of credit risk and lending.
• Experience building, deploying, and iterating credit models in production.
• Strong leadership and cross-functional collaboration with Product, Credit Strategy, Engineering and Validation.

Responsibilities

• Own Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion.
• Improve models with new data and feature engineering.
• Incorporate external data and Open Banking in credit decisioning.
• Ship reliable underwriting capabilities across products and markets.
• Lead and develop a high-performing ML team with governance and speed.

Skills

Credit risk

Machine learning

Leadership

Tools

Google Cloud Platform

BigQuery

Python

AI tooling

Go

Job description

Monzo is seeking a Senior Machine Learning Manager to guide the Borrowing ML roadmap and team. You’ll drive underwriting improvements and data-driven decisions across UK growth and EU expansion, partnering with Credit Strategy, Product, and Engineering to deliver scalable models.

You will lead a high-calibre ML team, raise model quality, governance, and tooling, while shaping how advanced ML and AI create real value in credit decisioning at Monzo. Remote-friendly UK role with travel.