Senior Machine Learning Scientist, Personalisation

About our Machine Learning Team for Personalisation:

Personalisation is central to Monzo’s mission—to make money work for everyone. By delivering tailored recommendations, proactive insights, and intuitive experiences, we help customers make better financial decisions while strengthening 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 brings together experts across three key disciplines: Analytics Engineers, Machine Learning Engineers, and Data Scientists. As a Senior Machine Learning Scientist, you’ll develop and productionise models that make every customer interaction more relevant and timely, ensuring they receive products and services tailored to their needs - improving customer outcomes at scale. 

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.

What you’ll be working on:

A Senior Machine Learning Scientist at Monzo is a technical Individual Contributor (IC) leadership position. As a technical Machine Learning expert, working with billions of rows of data stored on a modern cloud-native data platform allowing for fast iterations, we’ll be expecting you to leverage your deep experience to develop and deploy advanced Machine Learning models at scale.

Your work may involve user and product embeddings to better understand customer behaviours, contextual bandits for optimising real-time decisions, or personalised ranking algorithms that improve search and discovery. You'll also build scalable, explainable, and responsible AI solutions that enhance trust, transparency, and the overall customer experience.

The technical approaches you take to help solve customer problems will be very much in your hands and we’ll strongly encourage and support experimentation and innovation. We’ll be expecting you to justify and demonstrate effectiveness along the way, making sure the approach meets our business and customer needs.

Your day-to-day:

As a technical individual contributor, you’ll be providing technical experties and shipping highly impactful ML-based solutions. You’ll be embedded in a cross functional product squad, working closely with product managers, data scientists, backend engineers and designers in an agile environment. You’ll also be a technical  within the Machine Learning discipline, helping to steer technical work and drive up standards across the broader machine Learning team within Personalisation and beyond.

This will involve:

• Working with stakeholders across the organization to identify and scope out the most impactful opportunities to tackle business problems in personalisation.
• Designing, developing and deploying advanced real time Machine Learning models, for example exploring how recent advances in machine learning (neural network, graph-based, and sequence-based architectures, LLMs) can drive improvements in our ability to deliver personalised user experiences.
• Following best best practices across the Machine Learning discipline, leading by example and mentoring others.
• Working closely with our ML platform team to steer the ongoing development of tools to enable rapid iteration of models and optimisations of the full ML model lifecycle.

You should apply if:

What we’re doing here at Monzo excites you!

• You have a multiple year track record of excellence and being involved in 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 architectures 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 have extensive experience writing production Python code and a strong command of SQL. You are comfortable using them every day, and keen to learn Go lang 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 you (and the people you know) use 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 can communicate those ideas to colleagues who are not familiar with the domain
• You’re adaptable, curious and enjoy learning new technologies and ideas

Nice to haves:

• Experience working on personalisation, ranking & recommendation problems for consumer applications
• Commercial experience writing critical production code and working with microservices

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
• Take-home task 
• 2 X interviews with the team 

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com. Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason.

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 books, training courses and conferences

➕And much more, see our full list of benefits here

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.