[All remote jobs](https://jobicy.com/jobs.md)[![Monzo logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/5b4c0ec3-221.jpg)](https://jobicy.com/company/monzo.md)[Monzo](https://jobicy.com/company/monzo.md) # Lead Machine Learning Scientist, Business Banking Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/monzo.md)ShareRemote from[UK](https://jobicy.com/job-region/uk.md)SalaryGBP 115k–150k / yrDepartment[Data Science & Analytics](https://jobicy.com/categories/data-science.md)EmploymentPart TimeExperienceSeniorPublished21 Oct 2026Apply before20 Nov 2026Listing views50Application actions1Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Monzo is hiring a Lead Machine Learning Scientist to build and deploy ML and GenAI capabilities for its Business Banking product. The role is a hands-on technical leadership position focused on customer-facing use cases such as cash-flow insights, financial administration automation, forecasting, and decisioning. The successful candidate will own the journey from opportunity discovery and model development through production evaluation, monitoring, and measurable product impact. Close collaboration with Product, Engineering, Design, Research, Analytics Engineering, and MLOps is central to the role. The position is remote within the UK, with ad hoc meetings in London. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 5/5RelaxedFast-paced ### Autonomy Level 5/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThis is a senior technical leadership role requiring advanced production ML expertise, sound product judgement, and the ability to establish standards in an ambiguous, fast-growing business domain. It combines model development, GenAI evaluation, MLOps collaboration, regulated-finance considerations, and cross-functional influence. ## Salary analysis Estimated compensation compared with the broader UK market for similar roles. Estimated job median (per year)Market rate£132,500UK market range (per year)£110k–£160k0£176k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses a salary range of £115,000–£150,000. Although the posting does not explicitly state the cadence, this range is inferred to be annual based on UK senior machine-learning compensation conventions and the permanent professional nature of the role. The estimated UK market range for a lead-level machine learning scientist is £110,000–£160,000 per year, excluding incentive awards and benefits. ## Core skills Skills and capabilities most closely associated with this opportunity. [Machine Learning](https://jobicy.com/jobs?search_keywords=Machine%20Learning.md)[Generative AI](https://jobicy.com/jobs?search_keywords=Generative%20AI.md)[Large Language Models](https://jobicy.com/jobs?search_keywords=Large%20Language%20Models.md)[Python](https://jobicy.com/jobs?search_keywords=Python.md)[scikit-learn](https://jobicy.com/jobs?search_keywords=scikit-learn.md)[SQL](https://jobicy.com/jobs?search_keywords=SQL.md)[Time-Series Forecasting](https://jobicy.com/jobs?search_keywords=Time-Series%20Forecasting.md)[Predictive Modeling](https://jobicy.com/jobs?search_keywords=Predictive%20Modeling.md)[MLOps](https://jobicy.com/jobs?search_keywords=MLOps.md)[Model Monitoring](https://jobicy.com/jobs?search_keywords=Model%20Monitoring.md)[A/B Testing](https://jobicy.com/jobs?search_keywords=AB%20Testing.md)[Cloud Data Platforms](https://jobicy.com/jobs?search_keywords=Cloud%20Data%20Platforms.md)[Microservices](https://jobicy.com/jobs?search_keywords=Microservices.md)[Responsible AI](https://jobicy.com/jobs?search_keywords=Responsible%20AI.md)[Product Analytics](https://jobicy.com/jobs?search_keywords=Product%20Analytics.md) Sample interview questionsDescribe a machine-learning model you took from an ambiguous business problem to production. How did you define success?I would begin by aligning stakeholders on the customer problem, decision to improve, constraints, and measurable success criteria. I would establish a baseline, build an appropriate model and evaluation plan, then launch through a controlled rollout while monitoring both offline quality and product metrics such as adoption, accuracy, operational savings, or customer outcomes. How would you decide whether to use an LLM, a traditional ML model, or a rules-based solution for a Business Banking feature? I would start with the decision context, risk level, data availability, latency, explainability needs, and expected value. Rules are appropriate for stable and transparent logic, traditional ML for structured prediction and ranking problems, and LLMs for language-heavy or unstructured workflows where their incremental value justifies evaluation, guardrails, and operating cost. How would you evaluate and monitor an LLM-powered customer-facing feature in a regulated financial environment? I would create a representative evaluation set covering normal, edge-case, and high-risk scenarios; define quality, safety, factuality, and policy metrics; and use human review for sensitive outputs. In production, I would monitor drift, failure patterns, harmful-output rates, latency, cost, customer feedback, and downstream outcomes, with escalation paths and rollback controls. How would you develop a cash-flow forecasting model for small businesses with sparse or irregular transaction histories? I would first segment customers by transaction volume, business type, and history quality, then build strong simple baselines before testing pooled and hierarchical forecasting approaches. Features would include transaction recency, seasonality, recurring payments, invoice signals, and calendar effects; evaluation would use rolling time-based validation and business-relevant error measures. How do you lead technically while remaining a hands-on individual contributor? I set clear technical principles, reusable standards, and decision frameworks while continuing to own critical design and implementation work. I communicate trade-offs in accessible terms, mentor teammates through reviews and pairing, and ensure that technical choices remain connected to customer impact and measurable business goals. Opportunity details ## About this role. 🚀 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](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments)and [combine their pensions](https://monzo.com/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](https://monzo.com/careers/) ✨ ### 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 What we’re doing here at Monzo excites you! * 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 have experience developing and shipping state-of-the-art ML models 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 speak Python fluently and have extensive, hands-on experience with scikit-learn. You are comfortable using SQL, and keen to learn Go, 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 small businesses use to run and manage their financial lives 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 AI 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. * You’re excited by 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](mailto: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](https://monzo.com/careers/) 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](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025) 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 😊 Show more [Apply now >](https://jobicy.com/jobs/156127-lead-machine-learning-scientist-business-banking.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. 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