Monzo

Senior Technical Lead, Machine Learning Science

Cardiff, Wales, United Kingdom

£135,000 – £165,000Compensation
Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, BankingIndustries

About Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

Role Details

  • Location Type: London/Cardiff/UK Remote
  • Salary: £135,000-165,000 + Benefits
  • Employment Type:

About Ops Data

Our Operations Data team consists of over 35 people across 4 data specialisms: Analytics Engineers, Data Analysts, Machine Learning Scientists and Data Scientists. In our Operations Collective you'll have the opportunity to embed into an area that is the heart of how we work with our customers’ problems - and is full of data challenges. Machine Learning supports all aspects of Operations, from workforce planning, to customer support experience, to enabling teams to work effectively and efficiently.

Key Responsibilities

  • As a Senior Lead ML Scientist, you’ll be one of the most senior Individual Contributors (IC) in the organisation, giving you a real opportunity to lead us into an exciting new phase of optimising Customer Operations, enabling us to craft a world-class support experience for over 9 million customers across the UK, and beyond as we continue to grow.
  • You’ll provide key technical leadership and ship highly impactful ML-based solutions.
  • You’ll be empowered to work across the collective identifying the most impactful areas and pushing solution development forward while mentoring and levelling up less experienced ML practitioners.
  • You’ll also impact how people across Monzo use ML tools to improve customer outcomes, including LLMs, which have their heaviest use within the Operations team.
  • Machine Learning Scientists at Monzo work end to end, so you’ll have the opportunity to collaborate across not only the data discipline, but with cross-functional squads, to deliver real-time models all the way to actual value.

What We're Looking For

  • Excitement about what we're doing here at Monzo!
  • A multiple-year track record of excellence leading the technical work of a team in the development and deployment of advanced Machine Learning models tackling real business problems, preferably in a fast-moving tech company.
  • 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.
  • Solid grounding in SQL and Python, comfortable using them every day, and keen to learn Go lang which is used in many of our microservices.
  • Experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact.
  • Comfortable exploring potentially ambiguous business problems within a complex and rapidly growing organisation.
  • Excited about the potential of machine learning and can communicate those ideas to colleagues who are not familiar with the domain.
  • Adaptable, curious, and enjoy learning new technologies and ideas.
  • Experience in, and a passion for, mentoring other ML practitioners, sharing knowledge and raising the technical bar across the team.

Skills

Machine Learning
Data Science
Technical Leadership
Customer Operations Optimization
Workforce Planning
Customer Support Experience

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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