Lead Machine Learning Scientist - Personalisation

Location: London / Cardiff / UK Remote Salary: £105,000 - £140,000 + Benefits Employment Type: Full-time

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🚀 About Monzo

Monzo is on a mission to make money work for everyone, moving away from complicated and confusing traditional banking. Over the last 10 years in the UK, we've grown from a prepaid card to offering personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account, and credit cards. Our UK customers can also save, invest, and combine their pensions with us.

Known for our hot coral cards and get-paid-early feature, combined with financial education on social media and award-winning customer service, we have a history of creating magical moments for our customers. We focus on solving problems and changing lives through Monzo ❤️.

Hear from our UK team about what it's like working at Monzo ✨

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About Our Machine Learning Team for Personalisation

Personalisation is central to Monzo’s mission. By delivering tailored recommendations, proactive insights, and intuitive experiences, we help customers make better financial decisions and strengthen their connection with the bank. Every model we build directly enhances the banking experience, making it more seamless, engaging, and rewarding.

Our Personalisation Data team comprises experts across Analytics Engineering, Data Analysis, Machine Learning Science, and Data Science. As a Lead Machine Learning Scientist, you will develop models that make every customer interaction more relevant and timely, ensuring customers receive products and services tailored to their needs.

From intelligent recommendations and predictive insights to seamless discovery and real-time personalisation, our Machine Learning Scientists tackle challenges that directly improve customer outcomes. 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.

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What You’ll Be Working On

As a Lead Machine Learning Scientist at Monzo, you will be a technical Individual Contributor (IC) leader. Leveraging your deep experience in developing and deploying advanced Machine Learning models, you will work with billions of rows of data stored on a modern cloud-native data platform.

Your work may involve:

• Developing segmentation models to better understand customer behaviors.
• Implementing contextual bandits for optimising real-time decisions.
• Building personalised ranking algorithms to improve search and discovery.
• Creating scalable, explainable, and responsible AI solutions to enhance trust, transparency, and the overall customer experience.

The technical approaches you take to solve customer problems are in your hands. We strongly encourage and support experimentation and innovation, expecting you to justify and demonstrate effectiveness along the way, ensuring your approach meets our business and customer needs.

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Your Day-to-Day

As a technical individual contributor, you will provide technical leadership and ship highly impactful ML-based solutions. You will be embedded in a cross-functional product squad, working closely with product managers, data scientists, backend engineers, and designers in an agile environment. You will also serve as a technical leader within the Machine Learning discipline, helping to steer technical work and drive up standards.

This will involve:

• Working with stakeholders across the organization to identify and scope out the most impactful opportunities to tackle business problems in personalisation.
• Leading the design and development of advanced real-time Machine Learning models, for example exploring... (content truncated)