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Own the Borrowing ML roadmap for UK growth, new customer segments, and EU expansion, driving faster model improvement, data integration, and portable underwriting capabilities while raising model quality and governance.
A senior ML leader with deep credit‑risk expertise, strong ML/statistics knowledge, proven experience building and deploying credit models, and a track record of leading senior ML scientists and cross‑functional teams.
The role fuels Monzo’s core growth engine by enhancing underwriting, pricing, and limits, unlocking new data, and scaling credit decisioning into new markets, directly impacting business performance and strategic advantage.
🚀 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 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.
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 ❤️
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:
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.
Examples of the challenges you could help lead:
We rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them:
All interviews will be conducted through Google Meet.
💰 £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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.
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 😊
