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🚀 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 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 😊

🚀 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 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 😊

🚀 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 Search Team 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. What you’ll be working on: 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. 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 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 on personalisation, ranking & recommendation problems for consumer applications 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 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. 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 😊

🚀 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 Search Team 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. What you’ll be working on: 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. 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 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 on personalisation, ranking & recommendation problems for consumer applications 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 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. 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 😊

🚀 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 | 💰£113,200 - £145,200 + Incentive Awards tied to your performance + Benefits ✨ Our Operations Machine Learning team ⭐ We’re building the machine learning and optimisation systems that help Monzo provide fast, efficient and resilient customer support at scale. You’ll lead Machine Learning for our Workforce Management vertical: the organisation that makes sure Monzo has the right human support supply to meet customer demand. The team works on demand forecasting, real-time supply <> demand matching, problem routing and escalation, and predictive models that help us understand how long work will take, what might become late, and where the next best human support should be assigned. This is a great role for someone who is still close to technical work. You might be a Tech Lead, Team Lead, Senior Machine Learning Scientist or Senior Machine Learning Engineer who has recently been building models and systems yourself, and is excited to grow into a broader leadership role. Not everything here is about LLMs. You’ll work on rigorous ML, forecasting, optimisation and operations research problems where quantitative thinking, pragmatic delivery and strong product judgement really matter. You’ll lead a growing team of Machine Learning Scientists, embedded in product squads working alongside data scientists, backend, mobile and web engineers, product managers, user researchers, designers and operations specialists. 🔑You’ll play a key role by… Shaping the ML strategy for Workforce Management, helping us decide where ML, forecasting and optimisation can have the biggest impact for customers and human agents. Leading the design, build and delivery of production ML systems across forecasting, routing, assignment, escalation and time-to-completion prediction. Staying close to the technical details: helping the team frame problems well, choose the right modelling approach, define robust validation, review trade-offs and ship safely. Working with Product, Engineering, Data and Operations leaders to turn ambiguous operational problems into pragmatic, iterative ML systems that improve real customer outcomes. Coaching and developing Machine Learning Scientists through regular 1:1s, feedback and technical guidance. Creating healthy ways of working for the team: clear priorities, strong technical standards, good documentation, sensible monitoring, and space for people to do their best work. Contributing to the wider Machine Learning discipline at Monzo, helping us scale how we build, ship and operate ML systems in production. 🤩 We’d love to hear from you if… You’ve recently worked as a hands-on Machine Learning practitioner, for example as a Senior IC, Tech Lead, Team Lead or ML manager. You have strong foundations in ML, statistics, forecasting, optimisation or operations research, and enjoy applying them to messy real-world problems. You’ve built, shipped or owned ML systems in production, and understand what it takes to make models useful, reliable, monitored and safe. You can move between technical detail and business context, explaining complex ML ideas clearly to technical and non-technical people. Coaching others is something you enjoy and take seriously. You may already have people management experience, but we’re also open to people taking their first formal step into management. Ambiguous problem spaces energise you. The right answer might involve a model, an algorithm, a product change, an operational process, or a combination of all four. Customer outcomes matter to you, and you want to build systems that help people get answers to their problems quickly and efficiently. You’re adaptable, curious and excited by quantitative problems. Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! 🙌 What’s in it for you 💰 £113,200 - £145,200 ➕ Incentive Awards tied to your performance. ✈️ We’ll help you relocate to the UK. ✅ 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 . 🌈 The application journey has 3 key steps Recruiter Call Initial Call Full Loop: ML Modelling Skills Interview, Product & ML interview, Project Deep Dive Interview, Leadership interview 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. #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 😊

🚀 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 | 💰£113,200 - £145,200 + Incentive Awards tied to your performance + Benefits ✨ Our Operations Machine Learning team ⭐ We’re building the machine learning and optimisation systems that help Monzo provide fast, efficient and resilient customer support at scale. You’ll lead Machine Learning for our Workforce Management vertical: the organisation that makes sure Monzo has the right human support supply to meet customer demand. The team works on demand forecasting, real-time supply <> demand matching, problem routing and escalation, and predictive models that help us understand how long work will take, what might become late, and where the next best human support should be assigned. This is a great role for someone who is still close to technical work. You might be a Tech Lead, Team Lead, Senior Machine Learning Scientist or Senior Machine Learning Engineer who has recently been building models and systems yourself, and is excited to grow into a broader leadership role. Not everything here is about LLMs. You’ll work on rigorous ML, forecasting, optimisation and operations research problems where quantitative thinking, pragmatic delivery and strong product judgement really matter. You’ll lead a growing team of Machine Learning Scientists, embedded in product squads working alongside data scientists, backend, mobile and web engineers, product managers, user researchers, designers and operations specialists. 🔑You’ll play a key role by… Shaping the ML strategy for Workforce Management, helping us decide where ML, forecasting and optimisation can have the biggest impact for customers and human agents. Leading the design, build and delivery of production ML systems across forecasting, routing, assignment, escalation and time-to-completion prediction. Staying close to the technical details: helping the team frame problems well, choose the right modelling approach, define robust validation, review trade-offs and ship safely. Working with Product, Engineering, Data and Operations leaders to turn ambiguous operational problems into pragmatic, iterative ML systems that improve real customer outcomes. Coaching and developing Machine Learning Scientists through regular 1:1s, feedback and technical guidance. Creating healthy ways of working for the team: clear priorities, strong technical standards, good documentation, sensible monitoring, and space for people to do their best work. Contributing to the wider Machine Learning discipline at Monzo, helping us scale how we build, ship and operate ML systems in production. 🤩 We’d love to hear from you if… You’ve recently worked as a hands-on Machine Learning practitioner, for example as a Senior IC, Tech Lead, Team Lead or ML manager. You have strong foundations in ML, statistics, forecasting, optimisation or operations research, and enjoy applying them to messy real-world problems. You’ve built, shipped or owned ML systems in production, and understand what it takes to make models useful, reliable, monitored and safe. You can move between technical detail and business context, explaining complex ML ideas clearly to technical and non-technical people. Coaching others is something you enjoy and take seriously. You may already have people management experience, but we’re also open to people taking their first formal step into management. Ambiguous problem spaces energise you. The right answer might involve a model, an algorithm, a product change, an operational process, or a combination of all four. Customer outcomes matter to you, and you want to build systems that help people get answers to their problems quickly and efficiently. You’re adaptable, curious and excited by quantitative problems. Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! 🙌 What’s in it for you 💰 £113,200 - £145,200 ➕ Incentive Awards tied to your performance. ✈️ We’ll help you relocate to the UK. ✅ 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 . 🌈 The application journey has 3 key steps Recruiter Call Initial Call Full Loop: ML Modelling Skills Interview, Product & ML interview, Project Deep Dive Interview, Leadership interview 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. #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 😊

🚀 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 | 💰 £76,500-£95,000 ➕ Incentive Awards tied to your performance and Benefits | Hear from the team ✨ Analytics Engineering at Monzo We have around 60 Analytics Engineers out of roughly 300 data practitioners in total - and we have big ambitions for the discipline. Analytics Engineering is at the core of how we build our data to enable Monzo to make better and faster decisions by having a performant, scalable and high quality data warehouse. As an Analytics Engineer here you'll be working collaboratively with other disciplines like product, engineering and data science, and we run regular knowledge-sharing sessions so you’ll learn loads about everything from our data modelling principles to how banks work and effective communication. What you’ll be working on: The Analytics Engineering 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 enable our data driven approach, and: Support the building of robust data models downstream of backend services (mostly in BigQuery) that support internal reporting, machine learning as well as financial and regulatory use cases. Focus on optimisation of our Data Warehouse, spotting 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. Set standards and ways of working with data across Monzo, working collaboratively with others to make it happen. Take established best practices and standards defined by the team, applying them within other areas of the business. Investigate and effectively work with colleagues from other disciplines to monitor and improve data quality within the warehouse. Contribute to prioritisation of data governance issues We all own and support the pipelines we contribute to, and on call support out of hours will be expected from time to time as part of this role We’d love to hear from you if… You enjoy working with cross functional fast moving teams and are passionate about serving small businesses. You are able to think strategically about the Business Banking product and how our underlying data models will unlock more insights for our team and more value for our customers. You have a strong passion for data modelling, ETL projects, and Big Data. You enjoy working with data streams from various services, such as financial, transactional, and operational systems. SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts. You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others. Nice to haves Any experience working within a finance function or knowledge of accounting. Experience working in a highly regulated environment (e.g. finance, gaming, food, health care). Knowledge of regulatory reporting and treasury operations in retail banking Exposure to Python, Go or similar languages. Experience working with orchestration frameworks such as Airflow/Luigi Have previously used dbt, dataform or similar tooling. Used to AGILE ways of working (Kanban, Scrum) The Interview Process: Our interview process involves 3 main stages: 30 minute recruiter call 45 minute call with the hiring manager Take home task 2-part final stage Our average process takes around 3 weeks but we will always work around your availability.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 books, training courses and conferences ➕And much more, see our full list of benefits here #LI-AS1 #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 😊

🚀 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 | 💰 £76,500-£95,000 ➕ Incentive Awards tied to your performance and Benefits | Hear from the team ✨ Analytics Engineering at Monzo We have around 60 Analytics Engineers out of roughly 300 data practitioners in total - and we have big ambitions for the discipline. Analytics Engineering is at the core of how we build our data to enable Monzo to make better and faster decisions by having a performant, scalable and high quality data warehouse. As an Analytics Engineer here you'll be working collaboratively with other disciplines like product, engineering and data science, and we run regular knowledge-sharing sessions so you’ll learn loads about everything from our data modelling principles to how banks work and effective communication. What you’ll be working on: The Analytics Engineering 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 enable our data driven approach, and: Support the building of robust data models downstream of backend services (mostly in BigQuery) that support internal reporting, machine learning as well as financial and regulatory use cases. Focus on optimisation of our Data Warehouse, spotting 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. Set standards and ways of working with data across Monzo, working collaboratively with others to make it happen. Take established best practices and standards defined by the team, applying them within other areas of the business. Investigate and effectively work with colleagues from other disciplines to monitor and improve data quality within the warehouse. Contribute to prioritisation of data governance issues We all own and support the pipelines we contribute to, and on call support out of hours will be expected from time to time as part of this role We’d love to hear from you if… You enjoy working with cross functional fast moving teams and are passionate about serving small businesses. You are able to think strategically about the Business Banking product and how our underlying data models will unlock more insights for our team and more value for our customers. You have a strong passion for data modelling, ETL projects, and Big Data. You enjoy working with data streams from various services, such as financial, transactional, and operational systems. SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts. You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others. Nice to haves Any experience working within a finance function or knowledge of accounting. Experience working in a highly regulated environment (e.g. finance, gaming, food, health care). Knowledge of regulatory reporting and treasury operations in retail banking Exposure to Python, Go or similar languages. Experience working with orchestration frameworks such as Airflow/Luigi Have previously used dbt, dataform or similar tooling. Used to AGILE ways of working (Kanban, Scrum) The Interview Process: Our interview process involves 3 main stages: 30 minute recruiter call 45 minute call with the hiring manager Take home task 2-part final stage Our average process takes around 3 weeks but we will always work around your availability.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 books, training courses and conferences ➕And much more, see our full list of benefits here #LI-AS1 #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 😊