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:
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improving performance across our range of products
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unlocking new data and faster model development
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helping Monzo build underwriting that scales into new markets
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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.