Overview

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 in the UK over the last 10 years. We offer personal and business bank accounts, 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 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. Hear from our UK team about what it's like working at Monzo.

Cardiff, London, or Remote UK | Salary £140,000-£175,000 + stocks + benefits

About our Machine Learning Team

At Monzo, Machine Learning Scientists have ownership across the entire ML lifecycle, from formulating ML problems to deploying models and monitoring their impact on key product and business metrics. Our ML Scientists collaborate in cross-functional squads across Data, Engineering, Product, and Risk, tackling issues including fraud detection and prevention, transaction monitoring for suspicious activities, customer risk assessment, and operational tooling.

About our Machine Learning Team for Personalisation

Personalisation is central to Monzo’s mission—to make money work for everyone. By delivering tailored recommendations, proactive insights, and intuitive experiences, we help customers make better financial decisions while strengthening their connection with the bank. Every model we build directly enhances the banking experience, making it more seamless, engaging, and rewarding.

Our Personalisation Data team brings together Analytics Engineers, Data Analysts, Machine Learning Scientists, and Data Scientists. As a Lead Machine Learning Scientist, you’ll develop models that make every customer interaction more relevant and timely, ensuring they receive products and services tailored to their needs.

From intelligent recommendations and predictive insights to seamless discovery and real-time personalisation, our ML Scientists tackle challenges that directly improve customer outcomes. Whether it’s surfacing the right savings product at the perfect moment, helping customers manage their spending, or simplifying financial planning, our work makes banking smarter, more intuitive, and truly customer-first.

Your day-to-day

As our most senior technical IC, you’ll provide key technical leadership and ship highly impactful ML-based solutions. You’ll work across the collective to identify the most impactful areas and lead solution development. You’ll work with mission-oriented cross-functional product squads, collaborating with product managers, data scientists, backend engineers and designers in an agile environment. You’ll advise senior business stakeholders and help set and advance our strategic direction across multiple squads. You’ll also be a technical leader within the ML discipline, helping to steer technical work and raise standards.

This will involve:

• Working with stakeholders across the organisation to identify and scope the most impactful opportunities to tackle product challenges with Machine Learning.
• Bringing learnings from previous successes in designing and building advanced ML systems to lead advancements in product development, e.g., deep learning, graph-based, and sequence-based architectures.
• Providing technical leadership to raise levels of technical expertise and best practice across the ML discipline, mentoring others.
• Working closely with our MLOps team to steer the ongoing development of tools to enable rapid iteration of models and optimization of the full ML lifecycle.

You should apply if

What we’re doing here at Monzo excites you!

• You have a multi-year track record of excellence leading the technical work of a team in the development and deployment of advanced ML models tackling real business problems, preferably in a fast-moving tech company
• You're impact-driven and excited to own the end-to-end journey from a business problem to a measurable production impact
• You have experience mentoring other ML practitioners and raising the technical bar across the team
• You are a self-starter who proactively identifies impactful issues and opportunities
• Using advanced machine learning techniques to minimise financial crime and protect customers from fraud excites you
• You have extensive experience writing production Python code and strong SQL; comfortable using them daily and keen to learn Go lang used in backend microservices
• You’re comfortable working in a team that deals with ambiguity and help your team and stakeholders resolve it
• You want to build a product you and people you know use every day
• You have a product mindset and care about customer outcomes with data-informed decisions
• You’re excited about fast-moving ML developments and can communicate ideas to colleagues outside the domain
• You’re adaptable, curious and enjoy learning new technologies

The interview process

Our interview process involves 3 main stages. We promise not to ask brain teasers or trick questions.

• 30 minute recruiter call
• 45 minute call with hiring manager
• 4 x 1-hour video calls with various team members

Average process takes around 3-4 weeks but we work around availability. You can contact tech-hiring@monzo.com with questions or to request accommodations for disability, neurodiversity, or other personal reasons.

What’s in it for you

✈️ We can help you relocate to the UK

✅ We can sponsor visas

This role can be based in London, but distributed working within the UK is possible (with ad hoc meetings in London).

⏰ Flexible working hours to fit you and your team

Learning budget of £1,000 a year for books, training courses and conferences

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

If you prefer part-time, we’ll make this happen where possible to support work-life balance.

#LI-REMOTE #LI-NJ1

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we support all of our people to grow at Monzo. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status.

If you have a preferred name, please use it to apply. We don’t require full or birth names at the application stage.