Staff AI Engineer

About Moneybox At Moneybox, our mission is to give everyone the means to get more out of life. We're guided by our belief that wealth isn't about the money, it's about the means to more - more freedom, opportunities, possibilities, and peace of mind. Moneybox is an award-winning wealth management platform, helping over one and a half million people build wealth throughout their lives, whether they're saving and investing, buying their first home, or planning for retirement. Job Brief We are building a personalisation system that helps match customers with the right financial pathway at the right moment, across relevance, guidance, advice and risk monitoring. Aurora, our AI-powered financial guidance system, sits at the heart of this stack, but it is only one part of a much larger system. The challenge is not simply scale. The harder problem is working with low engagement signals, a limited customer data footprint, strict regulatory boundaries and the need for every decision to be correct, auditable and defensible. Standard recommender systems do not apply here. This is a different type of problem. The system needs to resolve uncertainty about customer state, understand the limits of its own confidence and adjust how strongly it communicates based on what it actually knows. It must do this without crossing into regulated advice, and in a way that can be inspected and explained. The system has multiple interacting layers, including ranking, orchestration, policy translation and belief state management. The hardest architectural questions sit in the interaction between these layers. Building each layer well is achievable. Building the whole system in a way that is robust, scalable and easy to iterate on is the challenge we are hiring for. This is a Staff-level individual contributor role, reporting directly to the Director of AI and Decision Intelligence. You will work alongside a Senior AI Researcher, Principal Data Scientist, Senior ML Engineer, Senior Data Scientist and two ML Engineers. There is no line management expectation. This role is about technical leadership through hands-on contribution, architectural judgement and the quality of your reasoning.