You should apply if:

What we’re doing here at Monzo excites you!

• 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.

The interview process:

Our 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

What’s in it for you:

• ✈️ 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