Machine Learning Scientist

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 ❤️

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 Machine Learning Scientists collaborate in cross-functional squads across Data, Engineering, Product, and Risk, tackling a broad range of issues including fraud detection and prevention, transaction monitoring for various suspicious activities, customer risk assessment, and operational tooling.

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 experts across four key disciplines:
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 Machine Learning 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.

As a Staff ML Scientist, you’ll be one of the most senior Individual Contributor (IC) Machine Learning Scientist! This will give you a real opportunity to lead us into an exciting new phase of personalisation, utilising billions of rows of data and the learnings from your previous successes in designing and building advanced Machine Learning based systems for topics like personalisation, demand forecasting, workforce management, detection systems.

We’re talking about Deep Learning, Graph neural networks, transformers – you’ll have space to design the architecture that will help us take our real time systems to the next level.

As our most senior technical IC, you’ll be providing key technical leadership and shipping highly impactful ML‑based solutions. You’ll be empowered to work across the collective identifying the most impactful areas and leading solution development.

You’ll work with our mission‑oriented cross functional product squads, collaborating closely with product managers, data scientists, backend engineers and designers in an agile environment.

You’ll be expected to use your technical expertise to advise senior business stakeholders and help to set and advance our strategic direction across multiple squads.

You’ll also be a technical leader within the Machine Learning discipline, helping to steer technical work and drive up standards.

• Working with stakeholders across the organisation to identify and scope out the most impactful opportunities to tackle product challenges with Machine Learning.
• Bringing the learnings from your previous successes in designing and building advanced Machine Learning systems to lead advancements in our product development capabilities, for example utilising deep learning, graph‑based, and sequence‑based architectures.
• Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others.
• Working closely with our MLOps team to…