Staff Data Scientist

Monzo; Cardiff; Remote; GBP 124,000 - 165,000; Full time

Benefits offered by this job

Relocation help

Visa sponsorship

Learning budget

Flexible hours

Part-time options

Job summary

Monzo is seeking a Staff Data Scientist to help build the bank of the future. This senior individual contributor role blends deep technical skill with strong commercial judgement to tackle Monzo's most complex challenges.

You will lead data strategy for large domains, partner with product, engineering, and risk, and mentor colleagues while staying hands-on in analyses and experimentation. London or Barcelona or UK remote options available.

Qualifications

• Proven track record leading data science programs.
• Experience turning ambiguous problems into measurable outcomes.
• Ability to influence senior leaders and drive strategy.
• Strong collaboration across product, engineering and risk teams.

Responsibilities

• Shape and lead the data strategy for a large domain or collective, aligning customer and business goals.
• Identify and lead strategically important problems with cross-team dependencies.
• Partner with senior leaders across product, engineering, ML, design, risk and operations.
• Establish measurement strategies and metric maps linking customer behavior to business outcomes.
• Set best practices for experimentation, causal inference, forecasting and optimization.
• Remain hands-on: data exploration, analyses, modeling, and prototyping as needed.
• Coach and mentor data scientists and analytics engineers to build capability.

Skills

Data strategy

Leadership

Stakeholder mgmt

SQL

Python

Looker

Experimentation

Tools

SQL

Python

Looker

Airflow

Job description

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 aspersonal 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 andcombine 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 the company.

London or Barcelona | UK remote | £124,400 - 165,000 + Incentive Awards tied to your performance + Benefits | Technology — Data

We’re looking for a Staff Data Scientist excited to help build the bank of the future. This is a senior individual contributor role for someone who combines deep technical expertise with strong commercial judgement and can apply both to the company’s most important and complex challenges.

At the company, we’re building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 11 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.

*Enable the company to Make Better Decisions, Faster*

We have a strong culture of data-driven decision making across the whole company. And we’re great believers in powerful, real-time analytics and empowerment of the wider business. All our data lives in one place and is super easy to use. 90% of day-to-day data-driven decisions are covered by self-serve analytics through Looker, which gives data scientists the headspace to focus on more impactful business questions and analyses.

As a Staff Data Scientist, you’ll lead efforts on strategically important, business-critical problems. You’ll apply judgement in areas of organisational or technical complexity, steward initiatives end-to-end, and focus your hands-on contribution where it can create the greatest impact. You’ll be a trusted technical partner to senior leaders, raise the bar for Data Science across the company, and build capability in others through coaching, reusable approaches and clear standards.

Our Data Science team

We are excited to be expanding and are hiring across our Data Science teams. Whether your interests lie in Borrowing, Growth, Payments, Fincrime, Wealth or Core, we are looking for versatile people who can contribute across squads and collectives. While we allocate teams after the interview process, we aim to match your skills and aspirations with the most suitable role. Throughout the process, you will meet team members from across our Data Science collectives, who will guide you through the opportunities available. Join us and be part of shaping our future!

You’ll play a key role by

• Shape and lead the data strategy for a large domain or collective, connecting customer and commercial goals to a clear portfolio of high-impact Data Science work

• Identify, frame and lead strategically important problems where the path is ambiguous, dependencies span teams, and decisions involve meaningful customer, commercial, regulatory or operational trade-offs

• Partner with senior leaders across product, engineering, ML, design, research, risk and operations, bringing an independent technical perspective that influences strategy and turns it into measurable outcomes

• Establish measurement strategies and metric maps that clarify how customer behaviour, product changes and business outcomes connect, enabling teams to test assumptions and make better decisions faster

• Set and evolve best practices for experimentation, causal inference, forecasting, optimisation and decision science, choosing methods that are proportionate to the decision and its risks

• Remain hands‑on where your expertise is most valuable: exploring complex data, designing analyses and experiments, building models or prototypes, and resolving the hardest technical questions

• Steward critical data products and initiatives end-to-end, ensuring they are robust, well‑governed, clearly documented and adopted by the people who need them

• Balance pace and analytical rigour, making pragmatic trade‑offs while protecting the quality, reproducibility and interpretability of your work

• Raise Data Science standards across the company through technical direction, proposals, reviews, reusable methods and thoughtful challenge

• Coach and mentor data scientists and analytics engineers, using live projects and wider discipline initiatives to build sustainable capability beyond your own individual output

We’d love to hear from you if

• You have an exceptional track record of leading complex, business-critical Data Science work from ambiguous problem framing through to measurable outcomes

• You have shaped strategy across a large product or business domain and can influence senior leaders through clear, independent judgement

• You bring deep expertise across several Data Science disciplines and can set the technical direction for work involving significant complexity, uncertainty or risk

• You repeatedly create clarity across organisational boundaries, resolve difficult dependencies and turn long-term strategy into decisive action

• You communicate complex ideas, assumptions and risks with clarity, and hold a consistently high bar for analytical quality, governance and reproducibility

• You remain a highly credible hands‑on practitioner with SQL and Python, while raising standards and multiplying the impact of experienced colleagues

The interview process

Our interview process involves:

• Recruiter Call

• Initial Call

• Technical assessment

• Final Interviews

• Business Fit/Collaboration

• Case Study

• Technical Interview

Our average process takes around 2–3 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.

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at the company. You can read them here.

For more insight into the hiring experience at the company, check out our blog post written by one of our Recruiters - Data Hiring at the company.

What’s in it for you: £124,400 - £165,000 + Incentive Awards tied to your performance + Benefits

We can help you relocate to the UK or Spain

We can sponsor visas

This role can be based in our London or Barcelona offices, but we’re also 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.

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

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 the company. At the company, 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.