Lead Machine Learning Scientist, Business Banking

🚀 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 ❤️

📍London/Cardiff/UK Remote | 💰 £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits ✨

About our Machine Learning Business Banking team

Our mission in Business Banking is to simplify banking for small businesses; making business banking fairer, simpler and more transparent. Monzo Business Banking is fast-growing, is the UK’s most recommended business account for overall service quality. We recently hit 1 million customers and are used by 1 in 6 UK SMEs.

We want to help businesses spend less time on financial admin and more time focused on running and growing their business. We’re building intelligent, data-driven and AI/ML-enabled product experiences that help small businesses feel more in control, make better decisions, and get more value from Monzo.

ML is at the core of how we build and scale our products, enabling Monzo to make better decisions, faster, and helping us serve businesses more effectively.

As a Lead Machine Learning Scientist in Business Banking, you’ll help build and ship models that power the next generation of Business Banking experiences. You’ll work closely with Product, Engineering, Design, Research, Data Science and Analytics Engineering to bring ML-enabled product capability into the heart of how we build for businesses.

Whether it’s helping businesses understand their cash flow, reducing manual admin, surfacing the right insight at the right moment, or helping teams build intelligent product experiences responsibly, our work makes business banking smarter, simpler and more useful for SMEs.

What you'll be working on

As a Lead Machine Learning Scientist, you’ll be a technical leader and hands-on individual contributor, spearheading our ML and GenAI capabilities and shipping key models that powers magical Business Banking experiences.

You’ll:

Be one of the first ML Scientists in Business Banking, bringing leadership through ambiguity by adding structure and direction to our ML capabilities while staying agile and building momentum.

Develop and deploy advanced ML models on our cloud-native data platform to serve hundreds of thousands of business customers.

Partner with Product, data science and other stakeholders to identify the highest-impact opportunities, size impact, and define success metrics.

Decide when to use ML, GenAI, or simpler approaches and be clear on trade-offs.

Design robust evaluation and monitoring so we can ship responsibly and measure impact in production.

Lead the design and implementation of batch and near-real-time models (e.g. LLM-powered experiences, predictive models, time-series forecasting).

Collaborate closely with MLOps and Backend Engineering to operationalise models end-to-end and raise the bar on ML lifecycle rigor.

Set technical standards, mentor others, and support experimentation and iteration.

You should apply if