Senior ML Manager - Credit & Underwriting

Monzo; United States; Hybrid; USD 185,000 - 235,000; Full time

Benefits offered by this job

Stock options

Relocation assistance

Visa sponsorship

Hybrid or remote UK work with travel

Job summary

Monzo is recruiting a senior ML leader to shape the next phase of its Borrowing program. You will steer a high-caliber ML team, define the ML roadmap for UK growth, new customer segments, and EU expansion, and work across underwriting, pricing, limits, and lifecycle decisioning to deliver real value.

You’ll partner with Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, raising the bar on model quality and governance while building scalable underwriting for new markets.

Qualifications

• 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.

Responsibilities

• Lead ML roadmap for Borrowing across UK growth, new segments, and EU expansion.
• Hire, lead, and develop a high-performing ML team.
• Improve model quality, governance, and speed of iteration.
• Collaborate with Credit Strategy, Product, Engineering, Validation, Data and Platform.

Skills

Machine learning

Statistics

Decisioning systems

Credit risk

Lending

Tools

Python

Go

BigQuery

dbt

AI tooling

Job description

Monzo is recruiting a senior ML leader to shape the next phase of its Borrowing program. You will steer a high-caliber ML team, define the ML roadmap for UK growth, new customer segments, and EU expansion, and work across underwriting, pricing, limits, and lifecycle decisioning to deliver real value.

You’ll partner with Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, raising the bar on model quality and governance while building scalable underwriting for new markets.