Senior Machine Learning Scientist, Personalisation

Cardiff, Wales, United Kingdom

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Banking, Financial ServicesIndustries

Requirements

Candidates should have significant experience as a technical individual contributor and possess deep expertise in developing and deploying advanced Machine Learning models at scale. Experience with user and product embeddings, contextual bandits, and personalized ranking algorithms is expected, along with a strong understanding of scalable, explainable, and responsible AI solutions. Familiarity with modern cloud-native data platforms and agile development environments is also required.

Responsibilities

The Senior Machine Learning Scientist will develop and productionize models to enhance customer interactions and tailor products and services to individual needs. This includes leveraging large datasets to build and deploy advanced ML models, potentially involving user embeddings, contextual bandits, or personalized ranking algorithms. The role involves working closely with cross-functional teams to identify opportunities, design and deploy real-time ML models, and contribute to technical leadership within the Machine Learning discipline to drive standards and innovation.

Skills

Machine Learning

Data Science

Personalisation

Recommendation Systems

Python

SQL

Cloud Platforms

Statistical Modeling

A/B Testing

Deep Learning

Monzo

Digital-only banking platform for consumers

About Monzo

Monzo operates as a digital-only banking platform focused on providing a modern way for individuals to manage their finances. Its main product is a mobile app that allows users to track their income, spending, and savings easily. The app includes features that help users save money, such as automatically setting aside a portion of their paycheck or rounding up transactions to the nearest dollar. Monzo generates revenue through interest on deposits, fees for certain services, and interchange fees from card transactions, as well as offering overdrafts and personal loans. What sets Monzo apart from traditional banks is its real-time balance updates and instant spending notifications, which help users stay informed about their finances. The goal of Monzo is to provide a convenient, mobile-first banking experience that meets the needs of its growing customer base, which has surpassed 8 million users.

London, United KingdomHeadquarters

2015Year Founded

$1,856.7MTotal Funding

LATE_VCCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Competitive salary

Flexible working hours

Work from home

Stock options

32 days of paid vacation and public holidays per year

Health insurance

EAP

Learning budget

Home office stipend

Paid parental leave

Risks

Monzo breached UK banking regulations, risking reputational damage and fines.

Expansion into Europe poses regulatory challenges and potential licensing delays.

Reliance on digital platforms makes Monzo vulnerable to technological disruptions.

Differentiation

Monzo offers real-time spending updates and categorized transactions via a mobile app.

The 'Pots' feature allows users to set aside money for specific purposes.

Monzo Plus provides premium features like custom card designs and travel insurance.

Upsides

Monzo secured $400M in 2024, valuing the bank at $5 billion.

The partnership with SignLive enhances accessibility for Deaf customers.

Expansion into Europe in 2025 could significantly increase Monzo's customer base.

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