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You’ll lead and directly contribute to building, experimenting with, and shipping advanced ML models—embeddings, contextual bandits, and personalized ranking—to power search and discovery for 15 million+ customers, while ensuring the solutions are scalable, explainable, and responsible.
The team seeks a seasoned ML scientist with multiple years of end‑to‑end model development and production experience, strong Python and scikit‑learn skills, solid SQL knowledge, a self‑starter mindset, and a track record of delivering measurable business impact.
Your work fuels Monzo’s Co‑pilot vision, turning complex financial data into intuitive, real‑time product recommendations that help users reach their financial goals and make the banking experience smarter and more customer‑first.
Ideal for an impact‑driven, technically strong ML leader who thrives in fast‑moving fintech environments, enjoys experimenting with cutting‑edge algorithms, and wants ownership of the full product‑to‑production lifecycle.
🚀 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 | 💰 £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits ✨
We are currently embarking on one of our two top strategic priorities to make Money work for Everyone: building the Monzo Co-pilot. We are becoming an intelligent, proactive ally that handles the complexity of users financial life. We aren't just selling financial products; we are building a truly smart agent that understands users, anticipates their needs, and helps people reach their financial goals.
Our ML Search team brings together Backend, Product, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll build and ship models that help customers search for and find answers about their financial lives. You'll make it effortless for them to find the right products at the exact moment they need them.
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.
What we’re doing here at Monzo excites you!
scikit-learn. You are comfortable using SQL, and keen to learn Go lang which is used in many of our backend microservicesOur interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!
30 minute recruiter call
45 minute call with hiring manager
Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interview
Our average process takes around 3-4 weeks but we will always work around your availability.
✈️ We can help you relocate to the UK
✅ We can sponsor visas
📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).
⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.
📚Learning budget of £1,000 a year for training courses and conferences
➕And much more, see our full list of benefits here
If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance
#LI-REMOTE #LI-SR1
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 😊