Skip to content
CV Rocket
Get started
How it worksThe enginePricingBlogContactSign in

Open nowPosted 134 days ago

Senior Machine Learning Manager, Borrowing

Monzo57 open roles

Where
Cardiff, London or Remote (UK)
Work mode
Remote
Get the CV for this job

From $25 per CV, paid once. No subscription.

Your applicationOpen nowSenior Machine Learning Manager, BorrowingMonzo · Cardiff, London or Remote (UK)

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on Monzo's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

13.4% of postings close within 7 days. Measured by our own scanner across the market. Monzo postings stay open a median of 17 days.

Share of postings closed within
  1. 2.2%1 day
  2. 4.6%3 days
  3. 13.4%7 days
  4. 21.6%14 days
  5. 36.2%30 days
  6. 59.0%60 days
This job: posted 134 days ago

Monzo median: 17 days open

The posting

🚀 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 ❤️

📍London/Cardiff/UK Remote | 💰 £138,000 to £176,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨

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, 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 😊

From $25, paid onceGet the CV for this job

What happens when you press

One press. We do the rest.

  1. A CV for this posting

    Written against Monzo's own wording, from every piece of relevant proof in your profile.

  2. 25 readers review it

    Recruiter, hiring manager, skeptic and more read every draft, round after round. You get the best round.

    The review screen in CV Rocket: how each CV was read, round by round.

  3. We apply on Monzo's form

    Our application engine gets through the hardest forms there are. Where a question needs you, AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

    An application in CV Rocket: every answer filled in on the employer's form.

  4. Every reply, sorted

    Monzo's answer lands in your private mailbox, and we classify it on arrival: interview, question, rejection.

    The CV Rocket inbox: each employer reply classified as an interview, an action or a rejection.

  5. Reply with AI

    AI helps you write the email, checks it and sends it. We show you whether the recruiter read it.

  6. The interview in your calendar

    Full integration with your calendar. The invitation goes straight in.

    An interview invitation in the CV Rocket inbox, added to the candidate's calendar.
Get the CV for this job

From $25 per CV, paid once. No subscription.

Why it works

3×

more interviews than doing it yourself with ChatGPT.

ChatGPT writes a CV and never learns what happened to it. We see every reply. For each CV we know:

  • How it was written, and how the review scored it
  • When we applied, and how long after the posting went up
  • Which posting, which company, which city
  • Who got the interview, and who heard nothing

That is how we know which CVs get called.

Get the CV for this job

From $25 per CV, paid once. No subscription.

The numbers game

More applications. More interviews.

Every application goes out with its own CV, written for that posting and paid once. Send enough of them and the law of large numbers finds you the job.

Get the CV for this job
By hand5–10
With CV Rocket100
applications a day

Nearby

Live postings like this one

Same employer first, then the same role elsewhere.

Before you press

Straight answers

Get the CV for this job

From $25 per CV, paid once. No subscription.

What if my background isn't good enough?

We make the most of the background you have. The CV uses every piece of relevant proof your profile holds, and one of the 25 readers reads your whole profile and flags what the CV left out.

Do you really apply for me?

Yes, on the employer's own form, the hardest ones included. Where a question needs you, you answer it right there and AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

Is it a subscription?

No. You pay once per CV, from $25. Every application goes out with its own CV, written for that posting.

One job. One CV.
Paid once.

Pick the posting you want. We write for it, apply for you and catch the reply.

Get the CV for this job

From $25 per CV, paid once. No subscription.