{"id":76022,"url":"https://alion.io/job/monzo-senior-machine-learning-manager-borrowing","title":"Senior Machine Learning Manager, Borrowing","company":{"id":5428,"name":"Monzo","domain":"monzo.com","url":"https://alion.io/company/monzo","size_band":"5000+","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"B","score":80,"open_postings":36,"ghost_share":0,"stale_share":0.806,"repost_share":0,"time_to_fill_p50_days":23,"computed_at":"2026-10-17T05:46:00Z"}},"role":"Management","role_family":"Management","seniority":"senior","employment_type":null,"work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"explicit","locations":["Cardiff, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":138000,"max":176000,"currency":"GBP","period":"year","gross":null,"usd_annual":232935},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":true,"relocation_package":false,"has_equity":true,"technologies":[{"name":"Machine Learning","optional":false},{"name":"AWS","optional":true},{"name":"BigQuery","optional":true},{"name":"ChatGPT","optional":true},{"name":"Claude Code","optional":true},{"name":"dbt","optional":true},{"name":"GCP","optional":true},{"name":"Gemini","optional":true},{"name":"Go","optional":true},{"name":"Google BigQuery","optional":true},{"name":"Google Workspace","optional":true},{"name":"Python","optional":true},{"name":"SQL","optional":true}],"status":"live","first_seen_at":"2026-06-24T14:29:27Z","employer_posted_date":"2026-09-25","last_verified_at":"2026-10-17T15:30:49Z","board_verified":true,"closed_at":null,"days_open":115,"trust":{"level":"stale","repost_count":0,"flags":["stale"],"days_open":114},"description":"We’re on a mission to make money work for everyone.\nWe’re waving goodbye to the complicated and confusing ways of traditional banking.\nAfter starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. \nWith our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!\nWe’re not about selling products - we want to solve problems and change lives through Monzo\nLondon/Cardiff/UK Remote | £138,000 to £176,000 + Incentive Awards tied to your performance + benefits |Hear from the team \nAbout the role\nBorrowing is one of Monzo’s most important growth engines. We’ve built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe.\nWe’re looking for a senior ML leader to help shape that next phase.\nYou’ll lead a high-calibre team of ML scientists and help define Borrowing’s ML roadmap across UK growth, new customer segments, and EU expansion. You’ll work across underwriting, pricing, limits, and lifecycle decisioning - improving today’s models while helping build the next generation of capability for Monzo.\nThis role combines near-term commercial impact with long-term strategic advantage:\nimproving performance across our range of products\nunlocking new data and faster model development\nhelping Monzo build underwriting that scales into new markets\nshaping how advanced ML and AI can create real value in Borrowing\nYou’ll partner closely with leaders across Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, and influence decisions that shape both business performance and the long-term architecture of credit decisioning at Monzo. \nWhat you’ll own\nBorrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion\nFaster model improvement through new data and feature engineering\nHow Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning\nMore portable underwriting capabilities across products, customer segments, and markets\nHiring, leading, and developing a high-performing ML team\nRaising the bar on model quality, governance, tooling, and speed of iteration\nWhat you’ll be working on\nExamples of the challenges you could help lead:\nImproving underwriting models across Loans, Flex, and Overdrafts\nExpand the data we use in our models\nBuilding better feature engineering and model shipping capability\nImproving transaction intelligence for credit use cases\nDeveloping underwriting capabilities for new customer segments and EU markets\nShaping Monzo’s approach to advanced ML and AI\nOur technology stack\nWe rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them:\nGoogle Cloud Platform\nBigQuery SQL and dbt\nPython and the PyData stack\nGoogle AI Platform\nAWS\nPython for ML services\nGo for backend services\nAI tooling for productivity\nGoogle Workspace including Gemini\nChatGPT Enterprise\nClaude Code\nYou should apply if\nYou want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechs\nYou enjoy combining strategic leadership with strong technical judgment\nYou’re excited by the intersection of underwriting, data, product, and platform capability\nYou like building teams as much as building models\nYou care about real customer and business impact\nYou must have\nCredit and machine learning\nStrong knowledge of machine learning, statistics, and decisioning systems\nDeep experience in credit risk and lending\nExperience building, deploying, and iterating credit models in production\nExperience pushing the innovation frontiers of the credit industry\nLeadership and delivery\nExperience leading and developing senior ML scientists\nStrong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation\nTrack record of turning strategy into practical delivery in a regulated environment\nIt would be great if you also have\nExperience across more than one market\nExperience with advanced ML methods and AI on structured financial data\nThe interview process\n30 min Recruiter Call\n45 min Initial Call\n60 min ML technical interview\n60 min People Leadership interview\n60 min Product / Credit ML interview\nAll interviews will be conducted through Google Meet.\nWhat’s in it for you\n£138,000 to £176,000 plus stock options & benefits\nWe can help you relocate to the UK\nWe can sponsor visas\nThis role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London.\nWe’ll set you up to work from home, including support for remote setups.\nWe offer flexible working hours and trust you to work in a way that lets you do your best work.\nLearning budget for books, training courses and conferences\nAnd much more - see our full list of benefits here\n#LI-DC2 #LI-Remote\nEqual opportunities for everyone\nDiversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.\nWe’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.\nIf you have a preferred name, please use it to apply. 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