Monato

Nov 13, 2026

Machine Learning Lead, Data Science and AI

RemoteMexico

Ciudad de México, Mexico

PythonAWS

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About the opportunity

Role Mission

We are looking for a Machine Learning, Data Science and AI Lead to build the Monato model and agent function from the ground up, ensuring our fraud, risk, collections, and operational decisions are driven by our own data, in real-time, and within the rules of a regulated environment.

Why this role matters

We are looking for a Machine Learning, Data Science and AI Lead to convert the transactional data we already centralize in Databricks (SPEI, direct debit, bill payments, and cross-border) into production models and agents. You will ensure that fraud, AML, credit, and support move away from manual rules and closed-source providers, while contributing to the growth of our new business lines: SOFIPO, card issuance, and our collections platform.

What you will do

Define the machine learning and AI strategy, with a portfolio of use cases prioritized alongside Product, Compliance, and Finance.

Build the model platform on Databricks, including features, training, registry, real-time serving, and monitoring, while keeping costs under control.

Deploy the first models into production, starting with transactional fraud, AML scoring, and origination for SOFIPO credit.

Lead generative AI and agent use cases, such as Specification-Driven Development (SDD), agentic onboarding, customer support, and Second Brain, with standards for evaluation, cost, and sensitive data management.

Establish model governance, with explainability, traceability, and documentation ready for CNBV, Banxico, and audits.

Build the team by hiring and leading its first 4 members during the first 12 months.

Minimum requirements

Profile and key skills

7 or more years in machine learning, with models in production at scale: high concurrency and real-time inference.

Experience leading data science or machine learning engineering teams.

Mastery of Python and the MLOps lifecycle: training pipelines (Airflow or similar), model registry and serving, and drift monitoring.

Experience with LLMs in production: RAG, agents, evaluation, and cost control.

Experience with cloud data platforms, such as Databricks, Spark, and AWS.

Ability to explain a model to non-technical areas and regulators, and the judgment to choose a simple rule when it suffices.

Professional English.

Nice to have: experience in fraud, credit risk, payments, or regulated financial services; forecasting or operations research; graduate degree in physics, mathematics, or computer science.

What you will get

Ownership of the entire machine learning and AI function from day one, as its first member.

Real B2B payment data in Mexico: SPEI, direct debit, bill payments, and cross-border.

Direct reporting to technology leadership and participation in quarterly planning.

Budget to build your team during the first year.

Space to experiment, propose, and build.

Flexible work culture focused on execution.

About Monato

At Monato, we build modern financial infrastructure for companies in Mexico, integrating financial services in an agile and secure way. We operate in a regulated environment where stability and compliance are fundamental, and we design solutions that reduce banking friction to enable our clients' growth. We are an execution-oriented team, focused on building, iterating, and constantly improving.

Languages

Machine Learning Lead, Data Science and AI

About the opportunity

Role Mission

Why this role matters

What you will do

Minimum requirements

Profile and key skills

What you will get

About Monato

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