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Senior Machine Learning Scientist

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📍Cardiff, London or Remote UK | Salary £86,000-£105,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨
You'll play a key role by:
- Collaborating with other Machine Learning Scientists, Data Scientists, Backend Engineers, Operations specialists, Product managers, and Risk managers.
- Leveraging 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.
- Design machine learning solutions that scale globally.
The technical approaches you take to 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.
You should apply if:
- What we’re doing here at Monzo excites you!
- You have a track record of deploying advanced Machine Learning models tackling real business problems with demonstrable impact, preferably in a fast-moving tech company.
- 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 passion for sharing knowledge and raising the technical bar across the team.
- You have a self-starter mindset; you proactively identify the most impactful issues and opportunities and collaboratively tackle them without being told to do so.
- Using advanced ML techniques to ensure Monzo’s customers' money stays safe, even if their card, phone, or account is compromised, 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 have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact.
- You thrive working on ambiguous problems and have a track record of helping your team and stakeholders resolve that ambiguity.
- You have strong communication skills and are able to explain complex technical concepts to non-technical stakeholders.
- You want to be involved in building a product that you and the people you know use every day, with a product mindset that prioritises customer outcomes and 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.
Reasons to use Rodeo
I’m in my final year doing Economics and I don’t know whether to apply for grad schemes now or do a masters first. What do you think?
Honest answer — it depends on where you want to end up. A lot of top grad schemes (Big 4, civil service, banking) don’t need a masters. Let’s look at the ones you’d be competitive for now, and we can decide if a masters actually adds anything.
Also worth knowing: most autumn 2026 applications are open now. Timing matters more than you think.
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Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
Graduate Consultant — 2026 Scheme
Why you're a good match
StrongYour economics background and your summer at a regional bank line up with what PwC looks for on the consulting scheme. Applications close in four weeks.
See breakdownIt searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Why you're a good match
You’ve got the grades and the economics background, and your bank internship is exactly the experience this scheme looks for. Apply soon — deadlines close within the month.
Experience fit
Your summer at the bank plus your econometrics coursework map directly to the day-one responsibilities on this scheme — client modelling, market briefings, and deal support.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Nice to haves:
- Experience in supporting your team in shaping the ML strategy of your area.
- Experience working with financial crime, operations, and in regulated institutions.
- Commercial experience writing critical production code and working with microservices.
- Experience in evaluating ML models in live environments such as through A/B tests.


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What’s in it for you
- ✈️ 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.
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.
- 1 take-home task.
- 2 x 1-hour video calls with various team members.
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.co.
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