Lead Machine Learning Scientist,Business Banking

the opportunity to help Business Banking evolve into AI and ML-enabled product capability. You can work closely with Product, Engineering, Design, Research and Data colleagues to shape product strategy, clarify trade-offs and build things that customers actually use. You’re thoughtful about responsible ML/AI; especially in financial products where trust, transparency and customer control matter. Nice to haves: Experience working on personalisation, ranking, recommendation, forecasting, classification or decisioning problems for customer-facing applications. Experience working on ML systems for fintech, banking, accounting, payments, lending, invoicing, cash flow, tax, risk or business software. Experience with GenAI, LLMs, agentic workflows, retrieval, evaluation frameworks, or human-in-the-loop product experiences. Commercial experience writing critical production code and working with microservices. Experience designing experiments, A/B tests or other approaches to measure product and customer impact. Experience working in regulated environments or with products where explainability, auditability and customer trust are especially important. 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 Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interview 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 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 #LI-REMOTE #LI-SR1 Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊