Lead Machine Learning Scientist, Business Banking

About the role

Monzo is looking for a Lead Machine Learning Scientist to shape the future of Business Banking. You will drive the creation and deployment of AI‑powered features that help small‑business customers manage cash flow, reduce manual admin and make smarter financial decisions.

Key responsibilities

• Lead the design, development and productionisation of advanced ML and Generative AI models on Monzo’s cloud‑native data platform.
• Collaborate with product, engineering, design, research and analytics teams to embed ML capabilities into core banking experiences.
• Set technical direction, establish best practices and mentor junior data scientists within the Business Banking squad.
• Define metrics, monitor model performance and ensure responsible AI deployment.
• Translate ambiguous business problems into clear, data‑driven solutions.

Required profile

• Proven experience leading ML projects in a fast‑moving, consumer‑facing environment.
• Strong track record of shipping production‑grade models that deliver measurable business impact.
• Excellent communication skills and ability to work cross‑functionally with product and engineering.

Required skills

• Machine Learning, Deep Learning, Generative AI concepts.
• Experience with cloud platforms (e.g., AWS, GCP, Azure) and data pipelines.
• Proficiency in programming languages such as Python and familiarity with ML libraries (TensorFlow, PyTorch, scikit‑learn).

What we offer

• Competitive salary £115,000‑£150,000 per year plus performance‑based incentive awards.
• Flexible working – remote, hybrid or onsite in London/Cardiff.
• Comprehensive benefits package and a mission‑driven culture focused on simplifying banking for SMEs.