---
title: 'Senior Machine Learning Manager, Borrowing at Monzo'
canonical: 'https://feeny.ai/job/senior-machine-learning-manager-borrowing-monzo-cardiff-london-or-68j0b2hr92nn'
type: 'job'
last_seen: '2026-09-16'
---

# Senior Machine Learning Manager, Borrowing at Monzo

- **Company:** Monzo
- **Location:** Cardiff London OR, United Kingdom
- **Work type:** remote
- **Posted:** 2026-06-24
- **Last confirmed live:** 2026-09-16
- **Apply:** https://job-boards.greenhouse.io/monzo/jobs/7996955

## Job description

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as [personal](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments)and [combine their pensions](https://monzo.com/pensions) with us.

With 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!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London/Cardiff/UK Remote | 💰 £138,000 to £176,000 + Incentive Awards tied to your performance +https://monzo.com/careers#benefits[benefits](https://monzo.com/careers#benefits) |[Hear from the team](https://www.youtube.com/watch?v=U62l09nB0M4) ✨

## About the role

Borrowing 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.

We’re looking for a senior ML leader to help shape that next phase.

You’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.

This role combines near-term commercial impact with long-term strategic advantage:

- improving performance across our range of products
- unlocking new data and faster model development
- helping Monzo build underwriting that scales into new markets
- shaping how advanced ML and AI can create real value in Borrowing

You’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.

## What you’ll own

- Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion
- Faster model improvement through new data and feature engineering
- How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning
- More portable underwriting capabilities across products, customer segments, and markets
- Hiring, leading, and developing a high-performing ML team
- Raising the bar on model quality, governance, tooling, and speed of iteration

## What you’ll be working on

Examples of the challenges you could help lead:

- Improving underwriting models across Loans, Flex, and Overdrafts
- Expand the data we use in our models
- Building better feature engineering and model shipping capability
- Improving transaction intelligence for credit use cases
- Developing underwriting capabilities for new customer segments and EU markets
- Shaping Monzo’s approach to advanced ML and AI

Our technology stack

We rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them:

- Google Cloud Platform
- BigQuery SQL and dbt
- Python and the PyData stack
- Google AI Platform
- AWS
- Python for ML services
- Go for backend services
- AI tooling for productivity
- Google Workspace including Gemini
- ChatGPT Enterprise
- Claude Code

You should apply if

- You want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechs
- You enjoy combining strategic leadership with strong technical judgment
- You’re excited by the intersection of underwriting, data, product, and platform capability
- You like building teams as much as building models
- You care about real customer and business impact

You must have

Credit and machine learning

- 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

Leadership and delivery

- Experience leading and developing senior ML scientists
- Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation
- 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
- Experience with advanced ML methods and AI on structured financial data

The interview process

- 30 min Recruiter Call
- 45 min Initial Call
- 60 min ML technical interview
- 60 min People Leadership interview
- 60 min Product / Credit ML interview

All interviews will be conducted through Google Meet.

What’s in it for you

💰 £138,000 to £176,000 ➕ plus stock options & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London.

🏡 We’ll set you up to work from home, including support for remote setups.

⏰ We offer flexible working hours and trust you to work in a way that lets you do your best work.

📚 Learning budget for books, training courses and conferences

➕ And much more — see our full list of benefits here

#LI-DC2  #LI-Remote

## Equal opportunities for everyone

Diversity 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](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025)

We’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.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

## About Monzo

## Company Overview
- **One-liner**: Monzo is a UK-based digital bank offering personal and business current accounts, savings, loans, investments, and insurance through a mobile-first platform.
- **Entity Type**: Private (Series I, unicorn)
- **Headquarters**: London, United Kingdom (offices also in Cardiff, Dublin, and Barcelona)
- **Founded**: 2015
- **Founders**: Tom Blomfield, Gary Dolman, Jonas Huckestein Templestein, Jason Bates, Paul Rippon (current co‑CEOs are Diana Layfield and Conor Walsh)

## Core Business
- Primary industry/industries: Digital banking and financial services (consumer finance, payments, lending)
- Target customers: B2C (personal banking) and B2B/SMB (business banking); primarily UK‑based, with growing EU presence
- Mission or purpose statement: “Building a bank you’d be proud to use” – focused on solving problems, not selling financial products, and making money work for everyone.

## Products & Services
- **Personal Current Account**: Mobile‑banking account with budgeting tools, spending insights, and automated savings. Features real‑time notifications, card controls, and biometric authentication.
- **Business Current Account**: Separate account for small businesses with expense categorisation, invoicing, and integration with accounting software.
- **Savings Pots**: Sub‑accounts inside the app to save toward goals; includes interest‑bearing options.
- **Credit Cards & Loans**: Personal credit cards, overdrafts, and Flex (buy‑now‑pay‑later style borrowing). Also offers personal loans.
- **Investments**: Share dealing and ISA products (introduced in 2024).
- **Insurance**: Home, travel, and gadget insurance (underwritten by partners).
- **Pension Management**: Tools to manage and consolidate pension pots within the app.

## Market Standing
- **Valuation**: $5.2 B (current, per Tracxn; latest round Series I)
- **Key Metric**: Annual revenue £1 B+ (as of 31 Mar 2025), total funding $1.81 B
- **Notable Investors/Partners**: General Catalyst, Passion Capital, Accel (lead investors in previous rounds)
- **Growth Signals**: 15 million+ personal and business customers; headcount of ~3,786 (YoY growth 26.8% per Revelio Labs); expansion into EU via Dublin office; launched investment and pension products in 2024; continued lending product innovation (Flex, credit cards).

## Competitive Advantages
- **Community‑driven product development** – Customers actively suggest features, test the app, and give feedback, creating strong brand loyalty.
- **Mobile‑first architecture** – Built from scratch as a digital‑only bank, offering a seamless user experience with real‑time budgeting and spending insights.
- **Regulatory innovation** – One of the first UK challengers to obtain a full banking licence, enabling deposit‑taking and lending.
- **Open‑source culture** – Engages with the engineering community through open‑source contributions and transparent development.

## Strategic Focus
- **Product expansion**: Deepening lending and investment offerings, and building a wealth management suite.
- **International growth**: Scaling in the European market (office in Barcelona, Dublin hub, and hiring for EU‑focused roles).
- **Embedded finance**: Enabling third‑party services to use Monzo’s banking infrastructure.
- **Operational efficiency**: Using AI/ML for risk management, fraud detection, and personalised financial recommendations.

## Why Work Here
- **Culture**: Open, collaborative, and inclusive; regular community events, yoga, and lunch‑and‑learns; contributes to open‑source software.
- **Remote/Hybrid**: Office‑based roles allow occasional remote work; distributed workers receive equipment budget. Roles in London, Cardiff, Dublin, Barcelona, or UK‑remote.
- **Visas**: Monzo sponsors visas for tech, engineering, and product roles due to Home Office regulations.
- **Learning**: £1,000 annual budget for books, courses, and conferences; regular knowledge‑sharing sessions.
- **Compensation & Benefits**: Annual salary reviews; performance‑based incentive awards (cash/equity mix); pension (4% Monzo contribution, matching up to 6%); private healthcare; life insurance (4x salary); 26 days holiday + bank holidays (or opt‑out for 34 days); 8‑week sabbatical every 5 years; generous family leave (primary caregiver 26 weeks full pay, secondary 13 weeks full pay); paid sick leave; cycle‑to‑work scheme.
- **Office Perks**: Free breakfast, hot lunches twice a week, snacks, and drinks in London office.

## Sources
1. [monzo.com/careers](https://monzo.com/careers) – Benefits, visa policy, flexible working, culture
2. [monzo.com/about](https://monzo.com/about) – Company overview, mission, customer count
3. [tracxn.com/d/companies/monzo](https://tracxn.com/d/companies/monzo/__HguZJzK7Q_qZsyIz1Y4VwV75H5fHjDMtGaXPelPAxpU) – Funding, valuation, revenue, employee count, founders, CEOs
4. [job-boards.greenhouse.io/monzo](https://job-boards.greenhouse.io/monzo/jobs/7963253) – Open roles, location details
5. [reveliolabs.com/companies/monzo-bank/employees](https://www.reveliolabs.com/companies/monzo-bank/employees/) – Headcount growth

## Other roles at Monzo

- [Senior Security Analyst](https://feeny.ai/job/senior-security-analyst-monzo-cardiff-london-or-jk8bp6aqacvt) — Cardiff London OR, United Kingdom
- [Operational Tax, Senior Manager](https://feeny.ai/job/operational-tax-senior-manager-monzo-cardiff-london-or-jg7ns7mhvv70) — Cardiff London OR, United Kingdom
- [Senior Director of People Operations](https://feeny.ai/job/senior-director-of-people-operations-monzo-cardiff-london-or-0wkbrdxj3vgq) — Cardiff London OR, United Kingdom
- [Technical Recruiter](https://feeny.ai/job/technical-recruiter-monzo-cardiff-london-or-a2whdef5x6g5) — Cardiff London OR, United Kingdom
- [Martech Specialist, AI Deployment](https://feeny.ai/job/martech-specialist-ai-deployment-monzo-london-kg0yfy9g31rs) — London, United Kingdom
- [Senior Motion Designer](https://feeny.ai/job/senior-motion-designer-monzo-london-atfhqew7nsf1) — London, United Kingdom
- [Lead Product Designer, Growth](https://feeny.ai/job/lead-product-designer-growth-monzo-cardiff-london-or-0tmtebtx8sjj) — Cardiff London OR, United Kingdom
- [Graduate Credit Analyst](https://feeny.ai/job/graduate-credit-analyst-monzo-london-j3fr1e8ycv3n) — London, United Kingdom
- [Senior Brand Designer, Fixed Term Contract](https://feeny.ai/job/senior-brand-designer-fixed-term-contract-monzo-london-pxcfk4f0v10f) — London, United Kingdom
- [Financial Promotions Manager](https://feeny.ai/job/financial-promotions-manager-monzo-london-nbdwt3me88k4) — London, United Kingdom