Machine Learning Platform Engineer

Monzo

🚀 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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their 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  ✨ ABOUT OUR MACHINE LEARNING FINCRIME TEAM: Our Financial Crime Data team consists of over 25 people across 4 data specialisms: Analytics Engineers, Data Analysts, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll be working in a fast moving environment, building and iterating on our financial crime defensive capabilities to ensure we keep Monzo and our customers safe. Our financial crime team has a large impact on Monzo’s bottom line as fraud and scams are usually some of the largest cost line items in a bank's P&L. We have a major influence on the overall customer experience and it’s our duty to keep our customers safe. The work we do results in directly measurable customer or company benefit, which is incredibly satisfying. Our Machine Learning Scientists work on a range of problems within the different financial crime areas ranging from fraud detection and prevention, transaction monitoring for different types of suspicious activity through to customer risk assessment and operational tooling. 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 to: * Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs * Adapt quickly and appropriately to changing fraud and financial crime trends, ensuring our detection systems remain performant through time. The technical approaches you take to help solve these 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 leadership 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 leader within the Machine Learning discipline, helping to steer technical work and drive up standards. This will involve: * Working with stakeholders across the organization to identify and scope out the most impactful opportunities to tackle Financial Crime and Fraud with Machine Learning. * Leading the design and development of advanced real time Machine Learning models, for example exploring how neural network, graph-based, and sequence-based architectures can drive improvements in detection of financial crime. * Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others. * Working closely with our MLOps 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 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 deep learning, graph-based, and/or sequence-based 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 * Reducing financial crime and protecting customers with data driven strategies sounds exciting to you * 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 with financial crime and in regulated institutions * 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 * 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. 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 😊

Monzo

🚀 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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their 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 | 💰 £93,000-120,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨  About us: At Monzo we want to make money work for everyone. We care deeply about our 15+ million customers. Through magically simple products and actionable insights, we put our customers in control of their finance. Our products are different by design, and reliable at our core. Our range of borrowing products are critical to Monzo’s mission. Not only do they serve important needs of our customers, they are also a key revenue driver to support Monzo keep delivering great products and experience. We have seen stellar growth and deep engagement with millions of borrowers, supported by effective and efficient credit risk management. Our product portfolios are still expanding fast, from personal to business credit, and markets beyond UK. We are looking for bright, passionate and creative individuals to further accelerate our growth. About the role The mission of Borrowing ML Scientists is to improve the customer and business outcomes through better automated decisioning, using Machine Learning and Statistical modelling. We have a primary focus in credit risk modelling, with our expertise also applied to predict and optimise utilisation, pricing, collection and marketing. You will be working alongside a team of very experienced and highly efficient ML Scientists, with well established toolings for the fully lifecycle of ML models. Each of you owns multiple ML applications end-to-end, from experiment design and data curation, to deployment and monitoring. You will be empowered to innovate in the data, methodologies and toolings, so we can build better models easier and faster. You will have exposure to all Borrowing products and applications, with autonomy to decide what are the most impactful topics to work on, and how to deliver them. You will work closely with our Credit Strategy Managers, Model Validation Analysts, Backend Engineers, and Product Managers, to fit your model development into the product roadmap. You are also empowered to think big about the business, market and customers, to influence our product and credit strategy beyond just the world of models. Our technology stack We rely heavily on the following tools and technologies (although we do not expect applicants to have prior experience of all them): * Google Cloud Platform for all of our analytics usages * BigQuery SQL and dbt for our data modelling and warehousing * PyData stack for model development and offline deployment * Google Vertex AI platform for cloud computing * AWS for backend infrastructure * Python for ML model microservices * Go lang for most other microservices * AI toolings for productivity (an evolving list) * Google suites including access to Gemini * ChatGPT enterprise * Claude code 🤩 You should apply if: * You are result oriented and motivated by the impact on our customers and business * You enjoy a high degree of autonomy and thrive in a fast-paced environment * You are keen to grow your knowledge in both business and technology 📌 You must have: * Excellent SQL and Python skills with good understanding of best practices in software engineering and data engineering * In-depth knowledge of statistical and machine learning models: gradient boosted trees, logistic regression, neural networks, survival analysis, etc * Solid knowledge of statistics: hypothesis testing, confidence intervals, bootstrap * Experience of end-to-end model development and maintenance of ML models used for business critical automated decisioning, in a consumer facing industry * Great attention to details while keeping an eye on the big picture * Excellent communication skills to articulate complex problems * Capability to build mutual respect and trust with people of different background Nice to have: * Experience in UK/EU retail lending businesses for personal/business customers * Experience of ML model governance in a regulated industry * Experience in leverage modern day AI tools for productivity The Interview Process: Our interview process involves: * 30’ Recruiter Call * 45’ Initial Call * 60’ ML technical skill interview * 60’ Behavioural interview All interviews will be conducted through Google Meet. What’s in it for you: 💰 £93,000 to £120,000 ➕ plus stock options & benefits ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be either based in our London office with hybrid working pattern, or fully remote within UK with occasional travels to London. 🏡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. ⏰ 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 #LI-DC2  #LI-Remote   ---------------------------------------------------------------------------------------------------------------------------------- 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 😊

Monzo

🚀 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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their 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/UK Remote | 💰 £57,800-£75,000 ➕ Incentive Awards tied to your performance and  Benefits | Hear from the team ✨ About our Analytics Engineering Team: Our Analytics Engineering discipline works in the intersection between data, engineering and our collectives - Money, Borrowing, Operations and Financial Crime and beyond. The team is responsible for building downstream data models from backend services with the desire to make our Data Warehouse a genuine competitive advantage for Monzo. We want a discipline capable of building an amazing Data Warehouse to support decision making, Business Intelligence, key financial reconciliation processes and best in class analytics and Data Science.  You'll be an individual contributor in our Analytics Engineering team, working across a variety of projects to spot patterns in the way we build our Data Warehouse and optimise our BI platform, Looker. You’ll help us load and transform even more data, minimise our cloud costs, contribute using our best practices, keeping quality high. We are at an exciting stage in our growth and have roles available across Growth and Finance, so do let us know if you’re interested in a specific area.   What you’ll be working on  Your day-to-day    Working in a multi-disciplinary data / engineering squad, you will: * Support the building of robust pipelines and data models downstream of backend services (mostly in BigQuery) that support internal reporting, machine learning as well as financial and regulatory use cases. * Build with optimisation of our Data Warehouse in mind, spotting and raising opportunities to reduce complexity and cost. * Help define and manage best practices for our Data Warehouse. This may include payload design of source data, logical data modelling, implementation, metadata and testing standards. * Follow our established best practices and standards defined by the team. * Investigate and effectively work with colleagues from other disciplines to monitor and improve data quality within the warehouse. You should apply if: * You have some experience and a passion for Data Modelling, ETL projects and Big Data as an engineer, developer or analyst. * You are confident with SQL and data modelling. * You are comfortable with general Data Warehousing concepts. * You have an eye for detail. * You’re ready to be part of a growing team in new areas of growth!   The interview process: Our interview process involves 4 main stages:  * Recruiter Call (30 mins) * Initial Call with Hiring Manager (45 mins) * Take home task * Final Loop consisting of x2 hour long interviews to assess a Case Study and Behavioural  This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!  We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to tech-hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else. We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.    What’s in it for you: 💰 £57,800-£75,000 and Benefits ✅ We can sponsor your visa. 📍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, and at times that suit you and your team.  📚£1,000 learning budget each year to use on books, training courses and conferences. 🏡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.  ➕ Plus lots more! Read our full list of benefits   #LI-AS 1 #LI-REMOTE   ---------------------------------------------------------------------------------------------------------------------------------- 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 😊