LeadMachineLearningScientist

London/Cardiff/UK Remote | 💰 £105,000 - £140,000 + Benefits | ✨ 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 four key disciplines: Analytics Engineers, Data Analysts, Machine Learning Scientists, and Data Scientists. As a Lead Machine Learning Scientist, you’ll develop models that make every customer interaction more relevant and timely, ensuring they receive products and services tailored to their needs. From intelligent recommendations and predictive insights to seamless discovery and real-time personalisation, our Machine Learning Scientists tackle challenges that directly improve customer outcomes. 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 Lead 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, we’ll be expecting you to leverage your deep experience of developing and deploying advanced Machine Learning models. Your work may involve segmentation models to better understand customer behaviors, 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 exp