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From the employer's careers site First seen 25 Oct 2026

Lead Machine Learning Scientist, Business Banking

Monzo Cardiff Remote senior full-time

Salary

£115,000 - £150,000 per year

Apply on Monzo

Description

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

As a Lead Machine Learning Scientist in Business Banking, you'll help build and ship models that power the next generation of Business Banking experiences.

Responsibilities

As a Lead Machine Learning Scientist, you'll be a technical leader and hands-on individual contributor, spearheading our ML and GenAI capabilities and shipping key models that powers magical Business Banking experiences.

You'll:

  • 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

You should apply if:

  • You have a 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.
  • You have experience developing and shipping state-of-the-art ML models to production and delivering business impact.
  • You're 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.
  • You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so.
  • You speak Python fluently and have extensive, hands-on experience with scikit-learn. You are comfortable using SQL, and keen to learn Go, which is used in many of our backend microservices.
  • You're comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity.
  • You want to be involved in building a product that small businesses use to run and manage their financial lives every day.
  • You have a product mindset: you care about customer outcomes and you want to make data-informed decisions.
  • You're excited about fast-moving developments in Machine Learning and AI and can communicate those ideas to colleagues who are not familiar with the domain.
  • You're adaptable, curious and enjoy learning new technologies and ideas.
  • You're excited by the opportunity to help Business Banking evolve into AI and ML-enabled product capability.
  • You 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.
  • You're thoughtful about responsible ML/AI; especially in financial products where trust, transparency and customer control matter.

Nice to haves

  • Experience working on personalisation, ranking, recommendation, forecasting, classification or decisioning problems for customer-facing applications.
  • Experience working on ML systems for fintech, banking, accounting, payments, lending, invoicing, cash flow, tax, risk or business software.
  • Experience with GenAI, LLMs, agentic workflows, retrieval, evaluation frameworks, or human-in-the-loop product experiences.
  • Commercial experience writing critical production code and working with microservices.
  • Experience designing experiments, A/B tests or other approaches to measure product and customer impact.
  • Experience working in regulated environments or with products where explainability, auditability and customer trust are especially important.

Benefits

We offer:

  • £115,000 - £150,000 + Incentive Awards tied to your performance
  • Flexible working hours
  • Learning budget of £1,000 a year for training courses and conferences
  • And much more

Skills

Required

Nice to have

Ready to apply?

You apply with the employer directly. Their original posting is here: https://job-boards.greenhouse.io/monzo/jobs/8121191

Apply on Monzo