M
Monzo
Lead Machine Learning Scientist (Search)
Skills
SQL QueriesPythonGolangMicroservicesMachine LearningAI
1 month ago
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Important information
Contract type:
Permanent
Salary:
£115,000 – £150,000 / year
Location:
Cardiff, UK
Work mode:
Onsite
Published on:
13 September 2026
What they need
- We are currently embarking on one of our two top strategic priorities to make Money work for Everyone: building the Monzo Co-pilot
- We are becoming an intelligent, proactive ally that handles the complexity of users financial life. We aren’t just selling financial products; we are building a truly smart agent that understands users, anticipates their needs, and helps people reach their financial goals
- Our ML Search team brings together Backend, Product, Machine Learning Scientists and Data Scientists
- As a Lead Machine Learning Scientist, you’ll build and ship models that help customers search for and find answers about their financial lives. You’ll make it effortless for them to find the right products at the exact moment they need them
- 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
- As a Lead Machine Learning Scientist, you’ll be a technical leader and individual contributor. We have a modern, cloud-native data platform with billions of rows of data built for fast iterations
- You’ll leverage your deep expertise to develop and deploy advanced ML models to our more than 15 million customers
- 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
Benefits
- Yearly Salary Review + Proactive pay increases to reflect growing responsibilities + Share options
- Flexible working hours
- Work From Home Opportunities + we’ll pay for any equipment you need to do your job
- 24 days holiday a year, plus bank holidays
- Employee Assistance Programme
- Paid sick leave for both physical & mental health + Health insurance via AXA or Vitality + Additional health insurance through Medicash
- Learning budget of £1,000 a year
- Aviva Pension Scheme + 4% Employer Contribution
- Paid maternity, paternity, adoption or shared parental leave (after 13 weeks of employment)
- 52 weeks of primary caregiver leave (6 months at 100% pay, 13 weeks at Statutory Maternity Pay, 13 weeks unpaid)
- 3 months of secondary caregiver leave at 100% pay
- Unum Life Insurance
- Access to fertility and family-forming health benefits via Fertifa
- Abellio Season Travel Tickets + Cycle-to-Work Scheme- You have a product mindset: you care about customer outcomes and you want to make data-informed decisions
- You speak Python fluently and have extensive, hands-on experience with scikit-learn. You are comfortable using SQL, and keen to learn Go lang which is used in many of our backend microservices
- You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
- You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems preferably in a fast moving tech company
- You want to be involved in building a product that you (and the people you know) use every day
- You have experience developing and shipping state of the art ML models to production and delivering business impact
- You’re adaptable, curious and enjoy learning new technologies and ideas
- You’re comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity
- 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’re excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain
- Experience working on personalisation, ranking & recommendation problems for consumer applications
- Commercial experience writing critical production code and working with microservices- 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
- 60 minute ML Modelling interview
- 60 minute Product & ML interview
- 60 minute behavioural interview
- Our average process takes around 3-4 weeks but we will always work around your availability
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