Hybrid opportunity at
MonzoSenior Machine Learning Manager, Borrowing
Monzo operates as a prominent financial technology company providing personal and business bank accounts, joint accounts, accounts for teenagers, kids accounts, and credit cards, alongside investment,…
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About This Role
Monzo operates as a prominent financial technology company providing personal and business bank accounts, joint accounts, accounts for teenagers, kids accounts, and credit cards, alongside investment, savings, and pension services in the United Kingdom. The organization seeks a Senior Machine Learning Manager to direct its Borrowing machine learning division. In this position, the professional will head a team of machine learning scientists, drive the development roadmap across domestic growth, new…
Job Description
Monzo operates as a prominent financial technology company providing personal and business bank accounts, joint accounts, accounts for teenagers, kids accounts, and credit cards, alongside investment, savings, and pension services in the United Kingdom. The organization seeks a Senior Machine Learning Manager to direct its Borrowing machine learning division. In this position, the professional will head a team of machine learning scientists, drive the development roadmap across domestic growth, new audience segments, and European expansion, and refine underwriting capabilities for loans, flexible borrowing, and overdrafts.
This role suits leaders who combine technical expertise in credit risk with strategic management capabilities. The professional will partner closely with colleagues across credit strategy, engineering, product, data, and model validation to enhance decisioning architectures, leverage open banking and transaction intelligence, and elevate model iteration speeds. The position supports a hybrid working arrangement at the London office or fully remote work within the United Kingdom with periodic travel to London, alongside visa sponsorship and relocation assistance.
Responsibilities
- Manage and develop a team of high-performing machine learning scientists
- Define the machine learning roadmap for UK expansion, new audience segments, and European markets
- Improve underwriting models for loans, flexible borrowing, and overdraft products
- Enhance feature engineering, model deployment capabilities, and transaction intelligence for credit use cases
- Collaborate cross-functionally with product, credit strategy, engineering, data, and validation teams
Requirements
- Extensive background in credit risk and lending
- Strong technical knowledge of machine learning, statistics, and decisioning systems
- Demonstrated experience building, deploying, and iterating credit models in production environments
- Proven track record of turning strategy into practical delivery within regulated industries
- Experience leading and developing senior machine learning scientists
Qualifications
- Experience working across more than one market
- Familiarity with advanced machine learning methods and artificial intelligence applied to structured financial data
Core Skills
Benefits
- Salary ranging from £138,000 to £176,000
- Performance-tied incentive awards and stock options
- Visa sponsorship and relocation assistance to the United Kingdom
- Flexible working hours and home office setup support
- Dedicated learning budget for books, training courses, and conferences
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
What is the salary range for the Senior Machine Learning Manager position?
The salary ranges from £138,000 to £176,000, supplemented by performance-tied incentive awards, stock options, and additional benefits.
Can this role be performed remotely?
Yes, the role can be based in the London office using a hybrid work pattern or completed fully remotely from anywhere within the United Kingdom, with occasional travel to London.
Does the employer offer visa sponsorship or relocation assistance?
The employer provides visa sponsorship and can assist with relocating to the United Kingdom.
What does the interview process involve?
The evaluation consists of a 30-minute recruiter call, a 45-minute initial call, a 60-minute machine learning technical interview, a 60-minute people leadership interview, and a 60-minute product and credit machine learning interview.
Sample Interview Questions
AI-generated questions tailored to this specific role — a preview of the full practice set.