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About the Role

As a Lead Machine Learning Scientist in Business Banking, you will be a technical leader and hands-on individual contributor, spearheading our ML and GenAI capabilities and shipping key models that power magical Business Banking experiences. You will work closely with Product, Engineering, Design, Research, Data Science and Analytics Engineering to bring ML-enabled product capability into the heart of how we build for businesses.

Responsibilities

Be one of the first ML Scientists in Business Banking, bringing leadership through ambiguity by adding structure and direction to our ML capabilities while staying agile and building momentum.
Develop and deploy advanced ML models on our cloud-native data platform to serve hundreds of thousands of business customers.
Partner with Product, data science and other stakeholders to identify the highest-impact opportunities, size impact, and define success metrics.
Decide when to use ML, GenAI, or simpler approaches and be clear on trade-offs.
Design robust evaluation and monitoring so we can ship responsibly and measure impact in production.
Lead the design and implementation of batch and near-real-time models (e.g. LLM-powered experiences, predictive models, time-series forecasting).
Collaborate closely with MLOps and Backend Engineering to operationalise models end-to-end and raise the bar on ML lifecycle rigor.
Set technical standards, mentor others, and support experimentation and iteration.

Requirements

Multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems, preferably in a fast-moving tech company.
Experience developing and shipping state-of-the-art ML models to production and delivering business impact.
Impact-driven and excited to own the end-to-end journey that starts with a business problem and ends with your solution having a measurable impact in production.
Self-starter mindset; proactively identify issues and opportunities and tackle them without being told to do so.
Fluent in Python and extensive, hands-on experience with scikit-learn.
Comfortable using SQL, and keen to learn Go.
Comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity.
Want to be involved in building a product that small businesses use to run and manage their financial lives every day.
Product mindset: care about customer outcomes and want to make data-informed decisions.
Excited about fast-moving developments in Machine Learning and AI and can communicate those ideas to colleagues who are not familiar with the domain.
Adaptable, curious and enjoy learning new technologies and ideas.
Excited by the opportunity to help Business Banking evolve into AI and ML-enabled product capability.
Can work closely with Product, Engineering, Design, Research and Data colleagues to shape product strategy, clarify trade-offs and build things that customers actually use.
Thoughtful about responsible ML/AI; especially in financial products where trust, transparency and customer control matter.

Skills

Machine Learning
GenAI
Python
scikit-learn
SQL
Go
MLOps
Personalisation
Ranking
Recommendation
Forecasting
Classification
Decisioning
Fintech
Banking
Accounting
Payments
Lending
Invoicing
Cash flow
Tax
Business software
LLMs
Agentic workflows
Retrieval
Evaluation frameworks
Human-in-the-loop product experiences
Microservices
A/B testing

Location

London
Cardiff
UK Remote

Work Type

Remote
Distributed working within the UK
Flexible working hours
Part-time

Experience Level

Lead

Salary/Compensations

£115,000 - £150,000 + Incentive Awards tied to your performance + Benefits

Benefits

Relocation assistance to the UK
Visa sponsorship
Learning budget of £1,000 a year for training courses and conferences

About the Company

We’re on a mission to make money work for everyone.
We’re waving goodbye to the complicated and confusing ways of traditional banking.
Our product offering has grown a lot in the last 10 years in the UK.
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 ❤️
Our mission in Business Banking is to simplify banking for small businesses; making business banking fairer, simpler and more transparent.
Monzo Business Banking is fast-growing, is the UK’s most recommended business account for overall service quality.
We recently hit 1 million customers and are used by 1 in 6 UK SMEs.
We want to help businesses spend less time on financial admin and more time focused on running and growing their business.
We’re building intelligent, data-driven and AI/ML-enabled product experiences that help small businesses feel more in control, make better decisions, and get more value from Monzo.
ML is at the core of how we build and scale our products, enabling Monzo to make better decisions, faster, and helping us serve businesses more effectively.

Equal Opportunity

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.
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 😊