Monzo

📍London / UK Remote | 💰 £85,000 - £115,000 + Incentive Awards tied to your performance + Benefits

About our Engineering Teams:

As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.

Our blog is a good place to learn even more about what we do!

What you’ll be working on: 

Web Foundations builds scalable infrastructure for Monzo's international expansion and equips marketing across our organisation to create content independently. The squad’s remit includes:

• Maintaining our public facing website monzo.com
• Ensuring that it scales for international expansion
• Building our component library
• Maintaining our content management system

Every day you’ll be:

• Working closely with the Product Manager and other cross-discipline peers.
• Identifying and scoping opportunities for impactful projects.
• Actively contributing to every stage in the product development lifecycle within your team, and owning the development of new features from start to finish.
• Working closely with other engineers to scope and build out functionality to support new frontend features.

You should apply if:

• You love building products in cross disciplinary teams using an iterative approach, driven by user feedback and data insight.
• You care deeply about providing a great user experience for our users.
• You have an interest in building performant, secure, scalable web experiences and designing/building UI that makes it easy for users to accomplish what they need.
• You enjoy diving deep into dashboards, metrics, and then making decisions/recommendations based on impact.
• You enjoy working in a large front-end codebase with many stakeholders.
• You understand the importance of prioritisation in your work to ensure a good balance between development velocity and code quality.
• You have developed modern component-oriented JavaScript applications using frameworks and libraries (e.g React, Vue, Angular, Flow/Typescript, Webpack etc).
• You are a keen learner and love sharing your knowledge with others.

Our software engineers have a variety of different backgrounds

We have plenty of non-graduates: only some of us studied Computer Science; some of us have worked in huge companies; some have only ever worked in startups and others are former consultants. As long as you enjoy learning new things, we’d love to talk to you.

Compensation

Our salary range for the role is £85,000 - £115,000 depending on experience, plus Incentive Awards tied to your performance and other benefits

Logistics

This role can be based in our London office by Liverpool Street, but we're open to distributed/remote working. We can help you relocate to London and we offer visa sponsorship.

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.

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.

The Interview Process:

Our interview process involves three main stages: 

1. Recruiter Call
2. Initial Call 
3. Technical Interview
4. Final interview including a system design and a behavioural 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 or want to talk through reasonable adjustments ahead of or during application please us at any point on tech-hiring@monzo.com

#LI-Remote #LI-AL1

London OR Cardiff OR Remote (UK) | £63,800 - £80,650 + Incentive Awards tied to your performance + benefits

Our Prudential Risk team
Our Prudential Risk team is expanding, and we are searching for a Manager to join our 2nd Line Treasury Risk Oversight team. You will be part of the broader 2LoD Risk and Compliance department here at Monzo.

This represents a fantastic chance to contribute to a scaling bank with high aspirations. By joining the Treasury Risk Oversight team, you will champion our value to "grow Monzo safely." Your focus will involve collaborating with 1st Line Treasury Markets to provide expert second-line oversight of their increasing investment activities and execution controls.

In this role, you will partner with Treasury Markets as they oversee a £9.5bn portfolio that is set to scale and diversify across various securities and financial instruments. You will be instrumental in providing robust monitoring and challenge regarding new investment initiatives and current portfolio performance. Conducting independent credit reviews, resilience testing, and collateral oversight are central to this position.

We are looking for someone with a solid grasp of the asset classes typically found in a retail bank's treasury holdings, such as Sovereign debt, Covered Bonds, ABS, and CLOs. Familiarity with FX market products, repurchase agreements, and interest rate hedging tools is also highly valued.

A successful applicant will bring hands-on experience using Bloomberg for credit and market analysis, alongside the ability to leverage rating agency data and technical stress testing to build comprehensive credit views.

You will also have the space to expand your expertise into Treasury ALM as part of our holistic approach to Treasury Risk Oversight.

You’ll play a key role by…

• Overseeing our growing Treasury investment portfolio and analysing wholesale credit risk via the regular monitoring of market and liquidity risks, alongside collateral performance monitoring.
• Writing independent credit assessments for proposed counterparties and securitisations.
• Conducting independent stress testing of ABS and CLO structures to evaluate portfolio resilience.
• Representing 2LoD in investor roadshows with a view to better understanding collateral, structuring, and the inherent risks of securities.
• Monitoring market trends and themes in wholesale credit markets and the wider macroeconomic environment, and raising emerging risks to the Treasury Markets team (a Bloomberg Professional license will be provided to assist you with this analysis).
• Acting as a key contributor to the Wholesale Credit Risk Forum, where you will present a 2LoD view of the risk profile of the investment portfolio.
• Reviewing monthly information submitted to ALCo packs and actively contributing 2LoD opinions on specific approval topics.
• Playing a core role in the 2LoD oversight of new proposals put forward by Treasury Markets within a rapidly growing and ambitious environment.
• Ensuring appropriate controls exist and are consistently monitored across all Treasury Dealing activities.
• Developing an understanding of Treasury ALM (Asset Liability Management) in order to understand its strategic links to Treasury Markets activities, while providing support to ALM risk oversight.

We’d love to hear from you if…

• You have relevant experience gained within a bank, a consultancy, a credit rating agency, or a regulatory body.
• You have a genuine desire to learn and grow, and you are excited about building enhanced 2LoD oversight within a dynamic, fast-paced environment.
• You have a solid understanding of key asset classes that make up a Retail Bank’s treasury investment portfolio, such as Sovereign and Supranational debt, Covered Bonds, Asset Backed Securities (ABS), and Collateralised Loan Obligations (CLO).
• You understand securitisations, including their structural features, underwriting processes, and standards, as well as how to stress test them
• You can critically evaluate risk data, with familiarity handling investment prospectuses from security issuers and the ability to review credit rating agency reports to pick out, understand, and challenge key risks.
• You possess knowledge of key market products, specifically those used across FX markets, repos, and interest rate derivatives.
• You bring hands-on system and technical experience, which may include previous use of Bloomberg for pricing, liquidity, and credit analysis, exposure to a Trade Management System, and a working use of Python/SQL with the ability to develop reporting dashboards.
• You are a good relationship builder who can develop productive working connections with 1LoD stakeholders across all levels of the business, whilst maintaining the ability to provide robust, informed challenge and review to ensure our safe growth
• You understand prudential regulatory requirements, with a specific focus on the topics of liquidity and capital and how they impact a bank’s investment portfolio.

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

• £63,800 - £80,650 + Incentive Awards tied to your performance benefits.
• 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 4 key steps

• Application
• Recruiter call
• Role specific interview
• Values interview

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.
We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out!

LinkedIn Tags: #LI-JK1

📍London / UK Remote | 💰 Staff Backend Engineer (L60) £130,000 - £170,000 + Equity + Benefits | Technology - Engineering  

About our Engineering Teams:

We have around 650 engineers out of roughly 5,500 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.

We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do!

What you’ll be working on: 

We rely heavily on the following tools and technologies:

• Go to write our application code (there’s an excellent interactive Go tutorial here)
• Cassandra for most persistent data storage
• Kafka for our asynchronous message queue
• Envoy Proxy for RPC
• Kubernetes and Docker to schedule and run our services 
• AWS for most of our infrastructure
• React for internal web dashboards
• We also have two physical datacenter sites with actual cables to connect to various third parties

Your day-to-day   

This role is all about collaborating across disciplines to test hypotheses and make a difference to customers. As a product backend engineer you’ll work in a squad alongside product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more! 

Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are: Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion. All of our collectives are doing innovative work, many of which have machine learning and AI at the forefront- from fighting financial crime to building smarter financial tools - and you may have the opportunity to join a collective that gives you direct exposure to this exciting space.

Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles.

How we work 💻

Locations & Flexible Working: 

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. 

We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or online.

Set up a work schedule that delivers impact and fits your life:

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. 

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. 🕒✨

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.

Work the way that works for you with Monzo! 💼

You should apply if:

• you have strong experience working on the backend of a technology product
• 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 comfortable working in a team that deals with ambiguity
• you’re interested in distributed systems and writing resilient software
• you have some experience with strongly-typed languages (Go, Java, C, Scala etc.).
• you think you’d enjoy the kind of work we’re doing

We're on the look out for L60 Engineers at the moment, you can read more in our Engineering Progression Framework we are also hiring on L40 & L50, our interview process will determine your levelling. 

The Interview Process:

Our interview process involves three main stages: 

1. Initial Call 
2. Take home task or pair coding exercise 
3. Final interview including a system design and a behavioural interview 

Our average process takes around 2-3 weeks but we will always work around your availability. 

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

What’s in it for you:

💰 £130,000 - £170,000 + Equity

✈️We can help you relocate to the UK 

✅ We can sponsor visas.

📍This role can be based in our London office or remotely across 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 

We're usually always hiring for Backend Engineers, so there's no closing date for this job.

#LI-Remote

#LI-HJ1

📍London or Remote (UK)  | 💰 £85,000 - £105,000 + Incentive Awards tied to your performance + Benefits

🌟 About the team:

Our Global DPO Office 

As Monzo grows into new countries, new products and innovative technologies, including AI, we work to find a careful balance between meeting our regulatory obligations and supporting innovative, customer-centric solutions that help make money work for everyone.

At Monzo, we use the three lines of defence approach to manage risk. The Global DPO Office sits in the second line Compliance function, and this role reports directly to the Data Protection Officer.

The Global DPO Office supports the DPO in meeting their responsibilities and provides independent oversight of data protection compliance across Monzo. We work closely with the first-line Data Protection team, Legal, and teams across the bank to help Monzo understand, evidence and strengthen its data protection compliance.

We’re building the foundations for a global DPO Office that can scale, bringing more consistency to how we work across the UK and Europe through global processes, clearer governance and a group risk framework.

About the role...

We’re looking for a hands-on Senior Manager who can lead important work across the DPO Office and the wider bank. You’ll turn broad goals into clear plans, work through complex and ambiguous problems, and deliver improvements with pace, structure and good judgement.

This is a senior individual contributor role in a small and mighty team with high standards and a practical, proportionate way of working. You’ll provide advice, oversight and challenge, build trusted relationships across Monzo, and help improve how the Global DPO Office operates as we scale.

It’s also a great opportunity for someone who wants to deepen their existing experience across DPO-level responsibilities. You’ll deputise for the DPO from time to time, while helping build the processes, governance and ways of working needed for a global DPO Office.

🔑 You’ll play a key role by… 

• Working as part of the Global DPO Office to provide practical, proportionate data protection advice, oversight and challenge across the bank.
• Reviewing DPIAs, providing DPO opinions, assessing data breaches, and supporting clear, well-documented decisions on regulatory reporting.
• Supporting our relationship with regulators, improving the processes behind regulatory engagement and complaints, and providing oversight of data subject rights and contact point processes.
• Leading projects within the Global DPO Office at pace, and representing the team in projects led by others where data protection compliance is affected.
• Owning specific goals and workstreams within the DPO Office maturity plan, working with the DPO and wider team to build practical, scalable and efficient processes, governance and ways of working.
• Proactively finding opportunities to improve how we work, including through better use of data, automation, AI and other tools that help us move faster without lowering standards.
• Deputising for the DPO from time to time, giving you the opportunity to build experience across DPO-level responsibilities.

 🤩 We’d love to hear from you if…

• You’re a practical, experienced data protection professional with strong knowledge of UK GDPR, PECR and ICO expectations, backed by a relevant qualification such as an IAPP qualification or equivalent.
• You’re curious about AI and innovative technology, and are already using or exploring how to use AI practically in your work.
• You’re a self-starter who enjoys solving complex and ambiguous problems, using your initiative to work methodically, find clear and proportionate solutions, and deliver tangible improvements.
• You have hands-on experience across core DPO work, including DPIAs, data breaches, privacy notices, governance, reporting and regulator-facing activity.
• You understand what good second-line oversight looks like, and can build trusted relationships while still providing effective advice, oversight and challenge.
• You’re a thoughtful communicator who enjoys working with teams across the company, sharing knowledge, influencing well and working through problems early, with solutions in mind.

The Interview Process:

Our interview process involves three main stages: 

1. Recruiter Call (30mins)
2. Initial Call (30 mins)
3. Final stage - a take-home task, with successful candidates progressing to a role-specific interview and a behavioural interview

Our average process takes around 4-6 weeks but we will always work around your availability. 

🙌 What’s in it for you

• 💰 £85,000 - £105,000 + Incentive Awards tied to your performance benefits.
  
  
• 📍 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.
  
  

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

We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out!

#LI-TK1

📍London | 💰£163,000 - £200,000 + Incentive Awards tied to your performance + Benefits ✨

⭐ Our Partnerships team

Partnerships are a powerful way for us to create even more value for our customers and Monzo. As Monzo continues to grow, we're building relationships with some of the world’s most recognisable brands to help customers get more from their money, unlock meaningful benefits, and make Monzo an even bigger part of their everyday lives. Our Partnerships team sits at the heart of this opportunity, working across Product, Marketing, Data Science, Operations, Legal, Compliance and Finance to bring customer-first partnerships to life. As Partnerships Director, you'll lead this function through its next stage of growth, shaping strategy, building exceptional partner relationships and helping define how partnerships contribute to Monzo’s long-term success.

🔑 You’ll play a key role by...

• Defining and leading Monzo’s partnerships strategy across subscriptions, rewards, and customer propositions ensuring we partner with the right brands to deliver meaningful customer and commercial value
• Building and growing strategic relationships with major consumer brands, subscription providers and commercial partners, representing Monzo with credibility and influence at the most senior levels
• Continuing to build and develop a high-performing partnerships team, creating the operating model for global expansion and ways of working needed to scale successfully in the UK and new markets
• Leading complex commercial negotiations, balancing customer outcomes, commercial performance and operational excellence while working closely with Legal, Compliance, Risk and Finance
• Using data and insight to evaluate partnership performance, identify opportunities for growth and shape future investment decisions
• Partnering closely with Product teams to embed partnerships seamlessly into customer journeys, ensuring experiences are simple, transparent and genuinely valuable
• Influencing senior stakeholders across Monzo to ensure partnerships support our wider growth ambitions, from acquisition and engagement through to retention and subscription value
• Building scalable frameworks for identifying, launching, managing and optimising partnerships across the consumer business

🤩 We’d love to hear from you if…

• You’re an experienced commercial partnerships and business development leader with a track record of leading complex, high-impact partnerships
• You have a strong track record of building, scaling and leading strategic partnerships within consumer, technology, fintech, banking or similarly complex industries
• You have significant experience managing senior relationships with major brands, platforms, merchants or commercial partners
• You’ve successfully led complex commercial negotiations from strategy and deal structuring through to execution and long-term partner management
• You’re commercially astute, able to balance customer value, partner value and business outcomes to create sustainable growth
• You’re highly analytical and comfortable using data to shape strategy, prioritise opportunities and evaluate performance
• You have experience leading high-performing teams and creating clarity, focus and momentum in fast-moving environment

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

💰£163,000 - £200,000 ➕Incentive Awards tied to your performance

📍This role is hybrid working from our London office

⏰ 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 4 key steps

• 30 min call with the recruiter
• Initial call with the hiring manager
• 2 hours of technical and leadership principles interviews
• 30 min stakeholder chat

This process should take around 4-5  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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

#LI-OS1

Remote in the UK 🇬🇧 | 💰 £38,300 - £48,400 + £2,500 multilingual premium + Incentive Awards tied to your performance +  Benefits ✨

Start Date: 12th October

⭐ Our Fraud Team

Are you interested in leading a team in Fraud? Our EU Fraud Customer Operations team is at the heart of how we protect Monzo EU and our customers.

We’re looking for individuals with a blend of experience in Fraud, Leadership, and setting up a brand-new Spanish-speaking team to join our EU Fraud Operations. While Spanish is the core focus for this role, the ability to speak other languages is a massive advantage as we continue to grow.

Your team will consist of around 10 - 12 Fraud Investigators, and could be focused on a number of different tasks - including Prevention, Unauthorised and Authorised Fraud and Bank communications. 

As a Team Manager, you'll be responsible for managing the personal and professional development of your team members, providing coaching & feedback on fraud tasks, driving exceptional individual and collective performance, guiding individuals through hard times, and celebrating their successes.

You’ll hold weekly meetings with your team members (both individually and together as a team) to ensure everyone is informed, engaged, and performing in their role. You’ll also be responsible for aggregating the feedback that your team provides in these meetings and feeding it into operational leadership to ensure we continue to improve on our processes and tooling.

Team Managers are also heavily involved in our hiring processes, and regularly act as interviewers - so you’ll have the opportunity to help shape the team as it continues to grow.

🔑 You’ll play a key role by...

• Conduct quality checks on senior fraud investigators to drive performance and identify coaching opportunities.
• Handle feedback from L20 Investigators and working alongside EU Senior manager & EU Operations analysts to improve process/guidance 
• Manage personal & professional development of a team of senior investigators.
• Foster a positive, supportive, and high performance culture in the team with high levels of engagement.
• Chairing employee relations cases and making decisions consistent with Monzo’s values.
• Working with Senior Manager on building EU team from scratch and how we scale the team for future growth 

🤩 We’d love to hear from you if…

• You are Fluent in English & Spanish, both in written and verbal communication skills 
• You have strong experience of team leadership across Fraud within the financial services sector.
• You have proven ability to drive excellent performance through others.
• You have strong knowledge and experience in the financial sector, previous experience in carrying out Fraud investigations 
• You have knowledge of the current financial crime landscape in the UK and the EU, and associated fraud risks.

The working hours to be covered by the team will be 8am - 6.30pm and this will be based on 8.5 hours per day (with a 1 hour lunch included). The successful candidate will be required to be flexible in order to meet our customer demand and this will include infrequent weekend working. The start date for the role will be 12th October and you must be able to commit to the first 6 weeks. No holidays/time off will be authorised during this period.

🙌 What’s in it for you

💰 £38,300 - £48,400

📍 This role is remote based in the UK.

📚£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

• Application questions
• Video Call with a Recruiter
• Leadership/Technical Interview

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!

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’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

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

#LI-SW1

📍London | 💰£98,600 - £108,000 ➕ Incentive Awards tied to your performance ➕ Benefits | Hear from the team ✨

⭐ Our Communications team

We're looking for an experienced communications professional for a Senior Consumer PR Manager (12 month fixed term contract) role to lead Monzo's earned consumer communications programme in the UK.

You'll identify the opportunities that matter most and develop earned communications that help more people discover, understand and trust Monzo. Working across Product, Marketing and Business teams, you'll bring products, customer insights and business priorities to life in ways that deliver real business impact.

You'll build long-term communications plans while staying agile enough to respond to changing priorities, emerging opportunities and shifting timelines. Strong planning, judgement,  adaptability and stakeholder management skills are essential to success in this role.

While this role is focused on the UK, you'll also act as a trusted advisor to our European Communications team, sharing expertise and helping shape consumer communications as we grow internationally.

We're excited by how communications is evolving. Whether it's AI, changing search behaviour, creators or emerging platforms, we're looking for someone who's curious about what's next and excited to experiment with new ways of reaching audiences.

🔑 You’ll play a key role by…

• Developing and delivering Monzo's UK earned consumer communications strategy and roadmap, aligned to business priorities.
• Partnering across Product, Marketing, Business and other cross-functional teams to shape plans early, identify opportunities, understand the wider stakeholder landscape and manage reputational considerations from the outset.
• Leading communications around our products, data, customer insights and business priorities—creating earned stories through product launches, original insight, reactive opportunities and integrated campaigns.
• Developing creative communications ideas internally and with agency partners, recognising that the best ideas don't always need a major campaign, a large budget,  an agency brief or a business-driven moment.
• Exercising strong editorial judgement and prioritising the work that will have the greatest impact.
• Building relationships with journalists, creators and emerging platforms, continually evolving how we reach audiences.
• Using data, AI and audience insight to uncover opportunities, improve the way we work and evolve our communications approach.
• Acting as a trusted advisor to our European Communications team, sharing expertise and helping shape consumer communications across our expansion markets.
• Contributing to the leadership and continuous improvement of the Communications team, helping raise the quality of work through open, constructive feedback and thoughtful challenge.

🤩We’d love to hear from you if…

• You have significant experience leading consumer communications or PR for a consumer-facing business.
• You have a track record of developing earned communications strategies that deliver measurable business outcomes.
• You're an excellent planner who can build long-term programmes while adapting confidently as priorities, timelines and business needs evolve.
• You combine strategic thinking with hands-on execution.
• You combine creativity with strong commercial and reputational judgement, considering the wider stakeholder landscape and the long-term impact of your work.
• You have excellent editorial judgement and know what makes people pay attention.
• You influence confidently across teams and seniority levels, building trusted relationships across the business.
• You're curious about how AI, changing search behaviour, creators and new media are reshaping communications, and embrace new tools and technology to improve efficiency and effectiveness.
• You have exceptional written and verbal communication skills.

🙌 What’s in it for you

💰 £98,600 - £108,000 ➕ Incentive Awards tied to your performance

📍 This role is based in our London office, with a hybrid working approach

⏰ 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.

➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 4 key steps:

• Phone call with recruiter
• Initial call with hiring manager (30 mins)
• Technical interview with Communications team (60 mins)
• Stakeholder interview (30 min)

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’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

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

#LI-NZ1

📍London | 💰£56,100 - £64,000 ➕ Incentive Awards tied to your performance ➕ Benefits | Hear from the team ✨

⭐ Our Regulatory team

We are looking for a curious, adaptive and data-focused Senior Regulatory Reporting Analyst with a strong attention to detail to join our regulatory reporting team at Monzo. The team is responsible for understanding our prudential regulatory reporting requirements, working on projects and submissions relating to these and collaborating with teams across Monzo.

🔑 You’ll play a key role by…

• Taking ownership of the preparation, analysis and submission of regulatory reporting requirements (e.g. Capital, Liquidity)
• Ensuring compliance with the applicable regulatory interpretations
• Assisting the wider team in producing Monzo’s capital and liquidity regulatory reporting and disclosures (including Pillar 3)
• Executing and improving the controls required to ensure regulatory reporting is timely, accurate and complete
• Ensuring high data quality by performing data profiling and investigating data quality issues
• Using data visualisation tools to build dashboards and facilitate sign-off and useful insights
• Partnering with teams internally to help them make informed business decisions and providing input into new product launches
• Designing brilliant ways to automate your work and leverage technology to ensure we scale with the business

🤩We’d love to hear from you if…

• You have a good understanding of capital requirements, liquidity reports and regulatory frameworks
• You’re excited by data and have a sharp eye for detail
• You have knowledge of coding languages (SQL would be a bonus), although a willingness to learn is just fine 
• You have strong analytical skills, high attention to detail and the ability to meet tight deadlines
• You want to automate or enhance recurring processes, particularly by leveraging technology, and implement changes in collaboration with IT and regulatory change teams.

🙌 What’s in it for you

💰 £56,100 - £64,000 ➕ Incentive Awards tied to your performance

📍 This role is based in our London office, with a hybrid working approach

⏰ 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.

➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 4 key steps:

• Phone call with recruiter
• Initial call with hiring manager (30 mins)
• Technical interview with hiring manager and team member (45 mins)
• Monzo behavioural interview (45 min)

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’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

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

#LI-NZ1

📍London/Cardiff/UK Remote | 💰£106,300 - 125,000 + Incentive Awards tied to your performance + Benefits  ✨

Our Financial Control team ⭐

Monzo is looking for an experienced and ambitious professional for a newly created, high impact Head of Accounting Policy role. This role is designed to establish and lead our technical accounting policy function for our Group, UK and EU regulated entities. Rooted in the banking sector, the successful candidate will sit at the intersection of finance and commercial growth. You will act as the primary technical interface for the business, assessing new commercial proposals, leading technical accounting fora, and strategically triaging work across the wider finance team to utilise the existing technical capability of the team as well as lead in developing those skills further.

This is a key role with real impact, working closely with the Group Financial Controller, UK and EU CFOs to deliver high-quality external reporting, and technical accounting and advisory in support of our fast-growing, tech-driven bank.

We’re looking for someone with significant experience in an accounting policy, technical accounting role, ideally from a banking background. You'll thrive in a fast-paced, ever-evolving environment and have a hands on, delivery focused mindset, supporting Monzo’s mission to make money work for everyone.

🔑 You’ll play a key role by...

• Providing expert advice on complex accounting issues (e.g., revenue recognition, leasing, financial instruments) and document conclusions in technical memos.
• Developing and maintaining global accounting policies, ensuring consistency across the organisation and compliance with updated standards (IFRS).
• Leading projects for the adoption of new accounting standards.
• Partnering with commercial and product teams to evaluate the accounting implications of new products, lending propositions, and complex transactions prior to launch.
• Managing the intake of technical queries, strategically triaging and delegating project components to utilise existing and develop the technical skills within the wider finance team.
• Establishing, coordinating, and chairing an internal technical accounting forum to debate, align, and secure sign-off on areas of accounting estimates and judgments, as well as new policy/standards.
• Acting as the dedicated technical accounting partner to the business, translating complex technical standards into actionable business advice.
• Leading the technical dialogue with external auditors, authoring robust accounting papers to justify and defend the Monzo’s reported positions.
• Building and maintaining effective working relationships with internal stakeholders, external auditors and advisors.

🤩 We’d love to hear from you if…

• Experience: Fully qualified accountant (ACA, ACCA, or CPA) with 5+ years of experience in accounting policy, technical accounting, or Big 4 accounting advisory.
• Technical Skills: Strong, hands-on knowledge of IFRS particularly in specialised areas like IFRS 9
• Banking Background (preferred): Proven track record within a banking institution or a Big 4 banking/financial services advisory practice.
• Collaborative Leadership: Demonstrated experience in managing workloads across a team, utilising external skill sets rather than working in a silo.
• Stakeholder Management: Ability to facilitate technical debate and drive alignment among senior leaders and cross-functional teams.
• Communication: Strong capability to communicate technical standards into clear, professional, and practical guidance for non-finance stakeholders.
• Resource Optimisation: Sharp prioritisation and organisational skills to effectively triage proposals and maximize the existing capabilities of the wider team, while also developing those skills further.
• Adaptability and resilience: Demonstrable ability to be resilient and flexible in a fast-paced, tech-led, and agile environment.

🙌 What’s in it for you

💰 £106,300 - £125,000 ➕Incentive Awards tied to your performance.

📍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 4 key steps

• Phone call with the Recruiter (30 mins)
• Initial Video interview with Hiring Manager (30 mins)
• Role specific interview with Financial Control team (60 mins)
• Behavioural interview with wider Finance members (45 mins)

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 #LI-NZ1

📍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
• 60 minute ML Modelling interview
• 60 minute Product & ML interview
• 60 minute behavioural 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

📍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:

#LI-REMOTE #LI-SR1

📍London or Remote (UK)  | 💰 £79,000 - £93,000 + Incentive Awards tied to your performance + Benefits

🌟 About the team:

Our Borrowing (lending) business is growing rapidly across both existing products and with the planned launch of new initiatives. As our lending portfolio grows, our second line of defence Credit Model Validation team is growing with it - and we’re looking for a Credit Model Validation Manager to join us!

Our Credit Model Validation team is crucial in providing independent oversight and challenge to our model development teams in the first line of defence to help Monzo grow safely and ensure that the models we use deliver good outcomes for our customers. We’re looking for someone (maybe you?!) to join our validation squad and provide expert independent validation and oversight across our suite of credit models, covering critical business disciplines such as credit strategy and impairment.

You’ll have a particular focus on models used for customer-level decisioning and defining our credit strategies - such as underwriting scorecards, origination PD models and Net Present Value (NPV) / unit economics models - across all our lending products.

Strong data and analytical skills are a must, as is deep expertise in credit risk modelling. You’ll have hands-on experience in either model validation or model development within a financial services environment, including practical experience using Python to develop, validate or analyse machine learning and statistical models. . In-depth knowledge of credit decisioning models would be a strong plus. 

🔑 You’ll play a key role by…

• Leading hands-on independent validation of models used for credit decisioning within our Borrowing strategies - covering a range of machine learning, decision science and NPV models. You will be ensuring that models are fit for purpose, appropriately governed, explainable and performing as expected
• Supporting oversight and validation of broader credit risk models, including IFRS9, stress testing and economic response models
• Developing deep understanding of Monzo’s credit models, and using this to provide impactful input and challenge to model developers to improve our modelling capabilities
• Reviewing ongoing model performance monitoring to ensure our lending models perform within our risk thresholds, and providing support to our first line of defence teams when action is required
• Performing statistical analyses to independently assess model performance, including developing challenger models where appropriate to test model assumptions and strengthen validation conclusions
• Improving our Model Risk Framework, including overseeing our policies, standards and procedures to help embed best practice across the business. This means making sure we follow up-to-date regulatory guidelines, and adapt our processes to make sure they remain relevant as modelling techniques evolve
• Writing clear and impactful model validation reports, and presenting the findings and actions in relevant committees
• Partnering with colleagues in the first line of defence credit strategy and modelling teams - and wider risk teams across Monzo - to support the embedding of our model risk framework and establishing consistent validation standards across the organisation
• Embracing new and innovative technology, including leading the adoption of AI tools to enhance our model validation approach

 🤩 We’d love to hear from you if…

• Have a strong background and practical experience in credit model development and/or validation - in particular with exposure to machine learning or statistical models used in credit decisioning, such as decision science scorecards, origination / underwriting PD models, and NPV / unit economics modelling
• Are data driven, with strong analytical skills and deep understanding of statistical techniques for credit and model risk. Being able to get hands on with data is critical - so strong SQL and Python skills are essential, and experience with data visualisation tools such as Tableau, Looker or similar is a plus!
• Understand how models are used in real-time decisioning and lending strategies, and how to balance commercial and risk outcomes
• Have strong written and verbal communication skills, and are able to articulate problems and solutions using clear and simple language. This is particularly important for breaking down complex issues and priorities to non-experts
• Have a track record of building and maintaining trusting relationships with stakeholders at all levels, and can provide effective and respectful challenge
• Are impact-driven, and proactive in identifying issues and opportunities to improve outcomes for both our customers and our business
• Are passionate about technology, and what we’re doing here at Monzo excites you!

Our technology stack

We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):

• Google Cloud Platform for all of our analytics infrastructure
• dbt and BigQuery SQL for our data modelling and warehousing
• Python for data science and machine learning
• Go to write our application code
• AWS for most of our backend infrastructure

The interview process: 

Our interview process usually involves up to four main stages via Google Hangouts: 

• An initial call with our recruiter
• A call with our Senior Model Validation Manager, the hiring manager for the role 
• A role-specific call with colleagues from our credit modelling teams. We’ll share a short case study in advance, but you won’t need to submit a written response; we’ll use it to guide the discussion during the interview.
• A behavioural interview 
  
  

  🙌 What’s in it for you

• 💰 £79,000 - £93,000 + Incentive Awards tied to your performance benefits.
  
  
• 📍 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.
  
  

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

We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out!

LinkedIn Tags: #LI-TK1

📍London/Cardiff/UK Remote | 💰 £93,000-120,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨ 

About us:

At Monzo we want to make money work for everyone. We care deeply about our 15+ million customers. Through magically simple products and actionable insights, we put our customers in control of their finance. Our products are different by design, and reliable at our core.

Our range of borrowing products are critical to Monzo’s mission. Not only do they serve important needs of our customers, they are also a key revenue driver to support Monzo keep delivering great products and experience. We have seen stellar growth and deep engagement with millions of borrowers, supported by effective and efficient credit risk management. Our product portfolios are still expanding fast, from personal to business credit, and markets beyond UK. We are looking for bright, passionate and creative individuals to further accelerate our growth.

About the role

The mission of Borrowing ML Scientists is to improve the customer and business outcomes through better automated decisioning, using Machine Learning and Statistical modelling. We have a primary focus in credit risk modelling, with our expertise also applied to predict and optimise utilisation, pricing, collection and marketing.

You will be working alongside a team of very experienced and highly efficient ML Scientists, with well established toolings for the fully lifecycle of ML models. Each of you owns multiple ML applications end-to-end, from experiment design and data curation, to deployment and monitoring. You will be empowered to innovate in the data, methodologies and toolings, so we can build better models easier and faster.

You will have exposure to all Borrowing products and applications, with autonomy to decide what are the most impactful topics to work on, and how to deliver them. You will work closely with our Credit Strategy Managers, Model Validation Analysts, Backend Engineers, and Product Managers, to fit your model development into the product roadmap. You are also empowered to think big about the business, market and customers, to influence our product and credit strategy beyond just the world of models.

Our technology stack

We rely heavily on the following tools and technologies (although we do not expect applicants to have prior experience of all them):

• Google Cloud Platform for all of our analytics usages
  • BigQuery SQL and dbt for our data modelling and warehousing
  • PyData stack for model development and offline deployment
  • Google Vertex AI platform for cloud computing
• AWS for backend infrastructure
  • Python for ML model microservices
  • Go lang for most other microservices
• AI toolings for productivity (an evolving list)
  • Google suites including access to Gemini
  • ChatGPT enterprise
  • Claude code

🤩 You should apply if:

• You are result oriented and motivated by the impact on our customers and business
• You enjoy a high degree of autonomy and thrive in a fast-paced environment
• You are keen to grow your knowledge in both business and technology

📌 You must have:

• Excellent SQL and Python skills with good understanding of best practices in software engineering and data engineering
• In-depth knowledge of statistical and machine learning models: gradient boosted trees, logistic regression, neural networks, survival analysis, etc
• Solid knowledge of statistics: hypothesis testing, confidence intervals, bootstrap
• Experience of end-to-end model development and maintenance of ML models used for business critical automated decisioning, in a consumer facing industry
• Great attention to details while keeping an eye on the big picture
• Excellent communication skills to articulate complex problems
• Capability to build mutual respect and trust with people of different background

Nice to have:

• Experience in UK/EU retail lending businesses for personal/business customers
• Experience of ML model governance in a regulated industry
• Experience in leverage modern day AI tools for productivity

The Interview Process:

Our interview process involves:

• 30’ Recruiter Call
• 45’ Initial Call
• 60’ ML technical skill interview
• 60’ Behavioural interview

All interviews will be conducted through Google Meet.

What’s in it for you:

💰 £93,000 to £120,000 ➕ plus stock options & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be either based in our London office with hybrid working pattern, or fully remote within UK with occasional travels to London.

🏡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.

⏰ 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-DC2  #LI-Remote

📍London / UK Remote | 💰Senior Engineer £95,000 - £130,000  +  Incentive Awards tied to your performance  Benefits | Technology - Engineering |

About Platform Engineering at Monzo:

The Platform Collective builds and maintains the infrastructure, tools and processes that sets the rest of Monzo technology teams up for success. We work on a wide range of shared infrastructure, services and engineer tooling.

The Infrastructure Platform team sit within the Platform Collective and are responsible for running the Kubernetes clusters, service mesh and networking that all of Monzo's microservices run on. Our team is made up of backend engineers and cloud infrastructure experts, using our experience and software engineering skills to solve problems and manage our cloud infrastructure.

Our Infrastructure Platform team Has Two Focus Areas

• We build and centrally manage the cloud infrastructure that underpins technology at Monzo, running components like Kubernetes and Envoy across AWS and GCP.
• We help other platform teams to succeed at using cloud infrastructure by abstracting away the complexity and enabling them to solve real customer problems

We’re investing heavily in this team to support Monzo’s ambitions to grow from 10 to 20 million customers, expand the range of products to improve our customers’ financial lives and set up the foundations for scaling Monzo across the globe.

How we work 💻

Locations & Flexible Working: 

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. 

We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or online.

What you’ll be working with:

As a Platform Engineer at Monzo, you will work across the full breadth of our core infrastructure and application platform. This role involves a balanced split of responsibilities between two critical areas:

1. Platform & Infrastructure Engineering: Enhancing and maintaining our foundational tools and systems.
   • Working hands-on with our Kubernetes clusters, AWS infrastructure, and configuration management using Terraform.
   • Integrating and managing various open-source components to provide robust, scalable primitives for our engineering teams.
2. Software & Backend Engineering: Building and maintaining the services that abstract and orchestrate our infrastructure.
   • Designing and implementing backend services (APIs, controllers, etc.) that provide a simplified, self-service experience for other engineers.
   • Developing software for complex projects like infrastructure migrations, high-scale traffic management, or security tooling.

We rely heavily on the following tools and technologies, please note direct experience in these technologies is not required and our interview process can be completed in any language:

• Go to write our application code (there’s an excellent interactive Go tutorial here), in platform we build services to manage parts of the platform
• Kubernetes most workloads we run are on Kubernetes with this team being responsible for the underlying cluster's management
• AWS and GCP whilst our primary platform is in AWS our footprint in GCP is continually growing and we are increasing our maturity across both of these platforms
• Terraform is primarily how we manage any resources deployed into the cloud
• Envoy Proxy for our RPC service mesh

🤩We’d love to hear from you if…

To succeed in this role, you will need a strong background in both modern platform tooling and practical software development.

• Software Engineering Foundation: You have significant professional experience in software engineering, demonstrated by writing, testing, and deploying robust backend services using strongly typed languages.
• Cloud & Container Experience: You have hands-on experience working with AWS and/or GCP, and you are proficient with Kubernetes.
• Automation & Infrastructure as Code: You are naturally inclined to solve problems through automation and have experience with Infrastructure as Code (e.g., Terraform).
• System Curiosity: You are deeply curious about systems, enjoy diving deep to investigate complex issues, and understand how modern distributed applications fail and scale.
• Platform Mindset: You'd be excited to build a platform that enables success for everyone at Monzo, focusing on reliability, performance, and developer experience.
• Comfort with Ambiguity: You're comfortable working in a fast-paced team that deals with ambiguity and evolving requirements.

We're on the look out for L40 & L50 Platform Engineers at the moment, you can read more in our Engineering Progression Framework 

The Interview Process:

Our interview process involves three main stages: 

1. Initial Call 
2. Take home task or pair coding exercise 
3. Final interview: including a system design and a behavioural interview 

Our average process takes around 4 weeks but we will always work around your availability. 

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

What’s in it for you:

💰 £95,000 - £130,000 base salary➕  Incentive Awards tied to your performance

✈️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-Remote

#LI-HJ1

📍London/Cardiff/UK Remote | 💰£113,200 - £145,200 + equity + 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

📍London | 💰£53,100 - £70,000 + Benefits ✨ | 12 Month Fixed-Term Contract

⭐ Our Product Operations team

We’re looking for a transformation-minded Product Operations Manager who is obsessed with efficiency. You’ll sit within Partnerships, working at the intersection of Finance, Tech, and Ops Change.

You will be the "Architect of Automation" for Partner Ops within Core Banking. You’ll spend the first phase of your contract mastering the manual workflows to deeply understand the requirements, and the remainder of the contract replacing those workflows with scalable, AI-integrated systems. You are someone who understands exactly what is happening "under the hood." You know how data moves between systems, how APIs talk to each other, and how to maintain data integrity across platforms. You’ll use this knowledge to help increase overall efficiency and cut out unnecessary manual processes.

🔑 You’ll play a key role by...

• Process Auditing & Mapping: Deep-diving into "the way we do things now" (invoicing, reconciliations, and reporting) to identify patterns ripe for AI-led automation.
• Building the Automation Layer: Use AI tools, LLMs, and workflow automation to transition manual trackers into self-healing, automated systems.
• Interim Operational Execution: While you build the future, you'll ensure the present stays on track—managing invoicing, reconciliations, and governance logs with high precision.
• Stakeholder Engineering: Working with Product and Tech teams to ensure your automated solutions integrate with our core banking systems.
• Governance 2.0: Moving our risk and compliance tracking from manual spreadsheets to automated "always-on" dashboards.
• Documentation as Code: Creating the SOPs for the new automated world, ensuring that "how it works" is as clear as "what it does."

🤩 We’d love to hear from you if…

• You are an "Automation First" thinker: When you see a repetitive task, your first instinct is to write a script, use a prompt, or build a flow.
• You have high "Ops IQ": You understand how money moves, how reconciliations work, and why governance matters.
• You are AI-Curious: You’re already building and implementing LLMs (ChatGPT, Claude) or automation tools (Zapier, Make, etc.) to solve everyday problems.
• You have an eye for detail: You can spot a $0.01 reconciliation error in a sea of data.
• You’re a builder, not just a maintainer: You aren't satisfied with "this is how it's always been done."

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

💰 £53,100 - £70,000

📍This role is based in our London office

ℹ️ Please note this will be a 12 month fixed-term-contract

⏰ 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.

➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 3 key steps

• 30 min call with the recruiter
• 30 min call with the hiring manager
• 2 hours of technical and behavioural interviews

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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-OS1

London, Cardiff OR UK Remote | 💰 £53,100 - £71,900 (depending on experience) + Incentive award tied to performance + Benefits | Hear from the team 

⭐Our Financial Health team

The team's primary goal is supporting those tackling tough financial situations. It is essential that from the very start, we're on the same page about our collective responsibility: providing thoughtful support and practical options to those in need.

🔑 You’ll play a key role by...

It's all about being there for our customers when they need us the most. You'll play a crucial part in guiding customers, creating a pathway out of financial hardship. With your assistance, they'll find a fresh start and a clearer financial outlook. You will do this by: 

• This is an Individual Contributor (IC) role, but it requires indirect leadership in our squad structure to drive Financial Health strategy improvements 
• Helping to deliver a number of strategic changes which consistently lead to good customer outcomes whilst also protecting Monzo's interests
• Working with analysts, product managers, engineers and operations staff across Monzo to implement proposed changes
• Using qualitative and quantitative data sources to analyse the impact of recent changes as well as some monitoring of the overall portfolio performance
• As a senior member of the team, you will be supporting the growth and development of more junior team members.
• Working with external partners, to ensure they adhere to Monzo’s standards and provide good customer outcomes
• Documenting and using data to ensure the execution of our strategy is in line with expectations with the right governance, control and monitoring. 

🤩 We’d love to hear from you if…

• You have experience of working with external partners including relationship management and auditing 
• You have experience in Collections and Recoveries strategies 
• You understand the regulatory landscape including CONC, SYSC, Consumer Duty and the CCA (knowledge of equivalent EU regulatory frameworks is a plus)
• You have leadership experience (directly or indirectly) and you are able to drive forward strategic projects
• You can identify, articulate and mitigate risks associated with strategic changes
• You have strong judgement, and can make trade-offs between what is desired with what is feasible
• You have a proven ability to gain approval for proposed business changes
• You are highly resourceful and a self-starter; you excel at researching, untangling, and mapping out unfamiliar regulatory frameworks or new operational domains.
• You are comfortable working in a fast-moving, ambiguous and changing company
• You have experience working cross-functionally with engineering, risk, operations and finance teams
• You are a collaborative, strategic problem solver who loves working hard towards a deadline
• Giving customers in financial difficulty the best outcome is at the heart of what you do

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

💰 £53,100 - £71,900 (depending on experience) + Incentive award tied to performance

📍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 4 key steps

• Initial Recruiter Screening Conversation. 
• Initial Interview with the Hiring Manager 
• Role Specific Interview 
• Behavioural 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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-TP1

📍 Cardiff/London/UK Remote | 0.5 FTE Part time 💰£40,000 - £50,000 (full-time equivalent) + Incentive Awards tied to your performance + Benefits ✨

Our People Centred Security Squad ⭐

This is a very exciting opportunity to join our People Centred Security Squad. We’re focused on building security processes that allow the bank to move at pace, while protecting our customers. We’re never afraid to do things differently.

• You’ll be working closely with a full time Security Awareness Analyst and the Security Awareness Manager
• You’ll be in a team of people who look after the human side of security 
• You’ll work with teams from all across Security and all across Monzo

🔑 You’ll play a key role by...

• Create engaging security awareness content across channels including Slack, email, presentations, training, and events.
• Develop micro-learning, behavioural nudges, and awareness campaigns that encourage secure habits across Monzo.
• Manage the day-to-day delivery of the security awareness programme, including campaigns, content, documentation, and reporting.
• Translate complex security topics into clear, practical guidance that helps Monzonauts make confident decisions.
• Use behavioural insights, metrics, and user feedback to continuously improve security awareness and influence the roadmap.
• Partner with Security, People, Tech, Risk, and Customer Operations to improve security behaviours, reduce user friction, and communicate emerging threats.

🤩 We’d love to hear from you if…

• Experience in security awareness, internal communications, or influencing behaviour change.
• Excellent communication skills, with the ability to translate technical concepts into clear, engaging guidance.
• Highly organised, able to manage priorities independently and deliver high-quality work.
• Good understanding of common security risks, including phishing, social engineering, password security, and data handling.
• Strong collaborator who builds relationships, seeks feedback, and works effectively across teams.
• Bonus: Experience with behavioural science, LMS platforms, content creation, presentations, campaign analytics, or tools such as Google Workspace, Slack, and Notion.

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

💰 0.5 FTE Part time £40,000 - £50,000 (full-time equivalent) + Incentive Awards tied to your performance

📍This role can be based in our London or Cardiff 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

• 30 min recruiter call
• 30 min call with the hiring manager
• 2 hours of technical and behavioural interviews

This process should take around 2-3 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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

#LI-REMOTE #LI-OS1

London/UK Remote | 💰£71,400 - £90,000 (depending on experience) + Incentive Awards tied to your performance + Benefits  ✨

⭐Our Model Oversight team

The second line of defence Model Oversight team (that’s us!) provides support to our colleagues in Borrowing, Fincrime & Fraud, Finance and Operations to help Monzo grow safely. We’re looking for a FinCrime Model Validation Manager to help ensure the Fincrime/Fraud models we use are not only good for Monzo but what's best for our customers.

🔑You’ll play a key role by...

• Build relationships with first line of defence Fincrime/Fraud modelling teams and wider risk teams to support the embedding of the model risk framework and an understanding of model validation practices to help Monzo grow safely. 
• Perform independent model validations of FinCrime/Fraud models using proportionate modelling techniques depending on the level of complexity applied.
• Write clear and impactful model validation reports and present the findings in relevant committees.
• Review ongoing model performance monitoring to ensure the FinCrime/Fraud models are performing within risk thresholds and providing support to the  FinCrime/Fraud model development team when further action is required.
• Oversee the review and validation of any FinCrime/Fraud model changes and provide recommendations to first line teams to ensure the models remain fit for purpose.
• Collaborate with the first line of defence teams to support the strengthening of policies, standards and procedures, providing advisory support during  FinCrime/Fraud model design and build, and helping to embed best practice in the business. 
• Monitoring and measuring the overall level of FinCrime/Fraud model risk that Monzo operates, and driving action plans with first line teams and appropriate governance forums to mitigate residual model risk within desired risk appetite.
• Ensuring FinCrime/Fraud Model Owners keep the Model Inventory up to date so it contains sufficient information and evidence to support regulation and compliance reviews
• Supporting the broader Model Oversight team with model validation activity in other disciplines (Finance and Credit) to manage peak demand and utilising areas of specific knowledge.
• Research and learn latest modelling and validation techniques , such as machine learning, to enable expansion of validation capability.
• Support the effective operation of the Model Risk Oversight Committee as a regular attendee, contributing to the group discussion to improve model risk management.
• Promote and help embed a strong risk culture, making risk meaningful and relevant to everyone at Monzo. You will share best practice that is easy for everyone to understand.

🤩We’d love to hear from you if…

• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo
• You are self-motivated and thrive in a fast-paced environment
• You have great attention to detail while keeping an eye on the big picture
• You are a great communicator, able to articulate complex problems
• You can provide effective challenge whilst building strong, respectful relationships
• You are keen to grow your knowledge in both business and technology

And, from a technical and knowledge perspective, you should have:

• Experience in developing and/or validating any of Financial Crime, Fraud, Credit, Interest Rate, Liquidity, Regulatory capital, Stress testing and/or forecasting models
• In-depth knowledge of statistical techniques for management of risks
• Experience of managing a modelling project through its full lifecycle
• Strong technical skills such as SQL or Python
• Working knowledge of machine learning models: gradient boosted trees, etc
• If possible, some understanding of some of the following:
• Customer Risk assessment controls at point of Current Account application
• Transaction Monitoring controls
• Financial Crime and Fraud Typologies
• Experience in transaction driven business or similar industry

The Interview Process:

Our interview process involves three main stages: 

1. Recruiter Call (30mins)
2. Initial Call (30 mins)
3. Final stage x3 a take home task, role specific interview and a behavioural interview

Our average process takes around 3-4 weeks but we will always work around your availability. 

🙌What’s in it for you

💰£71,400 to £90,000 (depending on experience) + Incentive Awards tied to your performance + benefits

📍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.

➕ Plus lots more! Read our full list of benefits.

#LI-TK1  #LI-Remote

📍Dublin | 💰 €66,100 - €80,500 + Incentive Awards tied to your performance ➕ benefits | Hear from the team ✨

⭐ About the role:

We’re looking for a talented, hands-on, and diligent Corporate Governance Manager with knowledge and experience of Irish company law and corporate governance requirements to join the Monzo Europe Company Secretarial Team. Based in Dublin, you’ll hit the ground running and become the heart of all things governance for Monzo Europe as we build out our bank in Ireland.

Bringing your experience gained in an Corporate Governance Manager  (or equivalent) role, you’ll be comfortable operating in a fast-paced organisation and accustomed to applying critical and solution-oriented thinking to secure good governance outcomes for Monzo. You’ll also play a crucial role in supporting the Monzo Europe Board and its committees and you’ll help to make sure our governance processes work smoothly all while remaining in line with regulation and the high standards we have for governance here at Monzo. 

You’ll report to the Monzo Europe General Counsel & Company Secretary (CoSec) and work closely with the Deputy Company Secretary for Monzo Europe (Deputy CoSec), as well as being a part of the broader Monzo Group Governance Squad to help establish and implement robust and compliant corporate governance practices for Monzo Europe. 

This role offers an exciting and novel opportunity to play an instrumental role in a scaling company that’s key to Monzo’s expansion strategy. You’ll be part of a high-performing team who’ll support your development and ensure you have the opportunity to enhance your company secretarial skill set while taking ownership of some of Monzo Europe’s key governance processes. 

If you are excited about the intersection of technology and banking, and want to help bring some of that Monzo magic to Europe, this is the role for you!

🔑 You'll play a key role in...

Board and Board Committee management: You’ll act as Secretary to certain Board Committees and will support the CoSec and Deputy CoSec with the end-to-end management of the Monzo Europe Board. This will include things like: coordinating Board and committee meetings and managing meeting logistics, internal and chair agenda preparation, maintaining the forward calendar, circulating paper requests and supporting with paper dispatching, attendance at meetings, minute-taking, maintaining the disclosable interest registers, communicating action items, and maintaining the action tracker and decision log.

Board coordination and director support: You’ll provide seamless support to the Monzo Europe Board directors by being a key contact on the coordination side of things and support the induction and onboarding of new board members. 

Statutory and regulatory compliance: Together with the CoSec and Deputy CoSec, you’ll help make sure that Monzo Europe remains compliant with its statutory obligations and you’ll be responsible for things like annual and ad-hoc filings with the CRO, supporting on any corporate transactions with statutory compliance requirements, maintaining corporate registers, and supporting any governance-related regulatory returns. 

Governance processes and procedures: With support from the Deputy CoSec, you’ll help to establish and maintain Monzo Europe’s governance policies, processes and procedures in line with regulatory requirements and internal Group governance standards. This includes performing periodic governance document reviews and owning Board governance documentation, maintaining the governance process note and checklist inventory, and supporting other annual governance processes ranging from the annual report to annual Board performance reviews.

Governance business partner: Working in collaboration with the Deputy CoSec, you’ll foster and maintain strong partnerships with business counterparts, acting as a strategic business partner to key stakeholders and working on ad-hoc projects within Monzo Europe and the wider Monzo Group as necessary.

KYC requests: Maintain the Monzo Europe KYC corporate information documentation and support the business with KYC requests from 3rd parties.

🤩 We’d love to hear from you if...

• You’re a qualified company secretary (ACG or equivalent), with Irish company secretarial experience, ideally gained in financial services or a regulated environment.
• You have demonstrable knowledge of corporate governance principles and an understanding of applicable financial regulations from working in financial services (such as the CBI Corporate Governance Requirements).
• You’re a self-starter and have experience completing core corporate secretarial tasks, particularly: statutory compliance; board coordination experience having acted as Secretary before and managed  the end-to-end Board support process for Boards and Committees and; producing high-quality and technical minutes.
• You understand why a task needs to be done and think about what other parts of the business need to be looped in to the process.
• You're a confident communicator, able to engage at all levels of the organisation, including the Board and Executive Committee and have experience of liaising with senior stakeholders in a clear and concise way.
• You have experience of developing or enhancing governance processes to make them more effective or efficient with an ability to work well autonomously and collaboratively to get things done well.
• You’re resilient, capable, and comfortable pivoting and adjusting to new situations, keeping pace with a constantly evolving business environment.

🙌 What’s in it for you

💰€66,000 - €80,500 + Incentive Awards tied to your performance

📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week

⏰ 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

🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

📚 €1,200 learning budget each year to use on books, training courses and conferences

🏥 Private healthcare scheme

💰 Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 3 key steps

• 30 min call with the Recruiter
• 30 min call with the Hiring Manager
• 2 hours of technical and behavioural interviews

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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-MOS1

📍Dublin | 💰€70,000 - €87,000 + Incentive Awards tied to your performance ➕ benefits | Hear from the team ✨

⭐Our Finance team

We are looking for a detailed & collaborative Finance Business Partner (EU) Partner to help build and lead forecasting for Monzo’s European entity. We want to bring our Monzo magic to the EU and redefine the way that people interact with money. You will be at the forefront of driving growth and scale in a safe and compliant manner, whilst delivering a delightful experience for our customers.

🔑You’ll play a key role by…

• Taking overall responsibility for the forecasting and analysis for several business areas
• Taking full ownership of annual budget, forecasts and multi year plan for these business areas
• Preparing management information, insights & reporting to senior leadership team, highlighting emerging issues & potential future challenges
• Assisting with the development of various strategic & tactical initiatives
• Working independently and take the initiative to develop relationships and work across the business to help them understand financial perspectives
• Using financial expertise to drive commercial performance through accurate insights and advice
• Making sure financials are managed in line with business plans for both short and long term

🤩We’d love to hear from you if you..

• Have relevant experience within the banking / fintech sector - this is a must have
• Have demonstrable experience in finance business partnering 
• An accountancy qualification or qualified by significant experience
• Hold strong financial modelling (advanced Excel/Google Sheets) experience
• Have great analytical & problem solving skills, with the ability to identify trends, issues and recommend actions 
• Hold good interpersonal & influencing skills, ability to engage across various internal functions to develop, get buy-in and deliver outcomes across teams
• Have the ability to confidently present data in a meaningful and effective way; understanding the needs of the end users and tailoring presentations to their requirements
• Have experience building strong, trusted relationships with stakeholders at all levels
• Have experience building business cases, presenting and debating investment choices
• Demonstrate ability to be hands-on and enjoy supporting colleagues, projects or tasks both big or small
• Have strong attention to detail and organisational skills, able to support with developing new processes and streamlining existing processes to create efficiencies
• Can demonstrable SQL, data analysis experience and experience using forecasting tools

*Please note we cannot provide sponsorship for this position

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

💰A salary range of €70,000 - €87,000

📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week

⏰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

🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

📚€1,200 learning budget each year to use on books, training courses and conferences

🏥Private healthcare scheme

💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 3 key steps

• Introductory video call with recruiter
• Initial video call with hiring manager
• 2 x technical and behavioural video interviews

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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-MOS1

📍London or Remote (UK) | 💰 £45,000 - £65,000 dependent on experience + Benefits 

This position is a 12 month FTC.

We're looking for a Tech Recruiter to join our Hiring team to help us source and hire talented, diverse people into our tech recruitment team. 

🔑You’ll play a key role by...

Working with Hiring Managers to structure and run great hiring processes

Our hiring managers will need your help to identify what skills they’re looking for and how best to assess these. You’ll challenge their thinking and ask the right questions to figure this out. You’ll work on hiring processes from beginning to end, and convince candidates to join us.

You’ll care deeply about diversity and inclusiveness, and giving candidates an amazing experience

We want to go the extra mile to make sure that every applicant to every job feels valued, respected and never wavers in their support for Monzo, whatever the outcome of their application. You’ll find the right candidates from a range of backgrounds and have ideas about how to make sure they feel welcome at Monzo. And once we’ve decided we want to hire someone, you’ll move mountains in the background to make it an effortless, pleasant process and keep that excitement burning.

You’ll be passionate about making processes work better

We constantly refine our hiring processes to make them simpler and more effective. You’ll use data to work out what’s going well and where things could be better. 

🤩 We’d love to hear from you if…

• You have experience recruiting for fast-paced, product-focused companies, especially in tech
• You care deeply about inclusiveness and diversity
• You love sourcing and pride yourself on your resourcefulness
• You’re empathetic, adaptable and respectful of candidates’ needs and priorities
• You can adapt your approach to work with a range of stakeholders with different needs
• You can tell whether somebody has the skills we’re looking for, without relying on previous job titles or qualifications

It would be great if:

• You've experience recruiting in-house at a startup or scale-up
• You've worked directly with senior stakeholders

🌈 The application journey has 3 key steps

1. 30 minute Recruiter Call
2. Initial Call with our a member of the team
3. 2-3 interviews

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 but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com

🙌 What’s in it for you

💰 £45,000 - £65,000 dependent on experience 

📍London or remote within the UK available, with occasional travel to the London office

⏰ 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-DH1 #LI-REMOTE

📍London / UK Remote | £85,000–£110,000 + Incentive Awards tied to your performance + Benefits

About Machine Learning Platform Engineering at Monzo

The Machine Learning Platform team builds the systems that help teams across Monzo train, evaluate, deploy and serve ML models and AI features safely and reliably.

We work on backend services, Python libraries, model lifecycle tooling, evaluation workflows and low-latency serving systems. Our users are internal ML engineers, scientists and product teams building with ML and LLMs.

The work matters because machine learning powers many important decisions and experiences at Monzo, from fraud checks and credit decisions to customer operations. We help teams move faster while keeping production systems reliable, observable and safe.

This is a platform engineering role in the ML and AI space. We’re looking for someone who combines strong software engineering foundations with ML or AI context, and who enjoys building tools and systems for other engineers.

🧰 What you'll be working with...

• Go for backend services, platform APIs, and production systems
• Python for libraries, workflows, and tooling used by our ML engineers and scientists
• Feature platforms and data workflows using Chronon, Feast, and DataHub
• Model training pipelines and experiment tracking using Vertex AI and Comet
• AI observability, evaluation, and tracing using Langfuse and Bifrost
• AWS for real-time serving and online inference, GCP for batch compute and our BigQuery data warehouse.

(Please note direct experience with all of them is helpful but not required and our interview process can be completed in any language).

🤩 We’d love to hear from you if...

• You combine solid backend engineering with real ML or AI platform experience (ML pipelines, feature stores, model serving, experiment tracking or LLM tooling)
• You’ve designed and operated distributed systems that handle scale, concurrency and failure
• You think like a platform engineer, focused on developer experience and removing friction for internal teams
• You’re happy working across both Go and Python
• You enjoy ambiguity and want to shape a platform as it grows
• You have experience with strongly typed languages, writing and working on backend software
• You’re curious about how systems behave in production, including reliability, latency, quality, safety and operational risk

🤔 This might NOT be the right fit if...

• Your background is predominantly SRE, DevOps or infrastructure operations
• You’re focused on data science or modelling
• You’ve shipped AI product features but haven’t worked on the platform side (serving, evaluation, model lifecycle)

Levels

We're on the look out for Engineers of varying levels at the moment. You can read more in our Engineering Progression Framework - we will interview you across the entire framework, so if you are not sure what level you are aiming for please chat to your recruiters!

About our Engineering Teams

We have around 600 engineers out of roughly 5,000 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.

We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do.

💻 How we work

Locations & Flexible Working

Our main tech hub is in London, but our engineers live everywhere in the UK, from Brighton to the Western Isles.

We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️

Teams also often schedule time together for work and play, whether in or around the office, or online.

Set up a work schedule that delivers impact and fits your life

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance.

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency 🕣✨

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.

The Interview Process

Our interview process involves three main stages:

1. Initial Call
2. Take home task or pair coding exercise
3. Final interview: including a system design and a behavioural interview

Our average process takes around 4 weeks but we will always work around your availability.

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

What’s in it for you

💰 £85,000–£110,000 + Incentive Awards tied to your performance
✈️ 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

📍London or Remote (UK) | 💰 Base salary £170k - £225k + Equity + Benefits 

Engineering at Monzo

Monzo has successfully launched in Ireland and is expanding across Europe. We're now entering the next phase of our journey: building and scaling a multi-market European bank.

The EU Engineering organisation sits at the centre of that ambition. We are responsible for helping Monzo launch, grow and operate across Europe, navigating everything from product-market fit and customer growth to regulatory requirements, localisation and operational scale.

Unlike most engineering organisations at Monzo, EU does not own a single product area. We work horizontally across the company, partnering with teams across Payments, Core Banking, Growth, Wealth, Customer Operations, Fincrime, Platform and many others to bring Monzo's products to new markets and deliver great customer experiences locally.

As an Engineering Director, you'll lead a distributed engineering organisation across the UK, Spain and remote locations. You'll partner closely with Product, Design, Data, Operations, Risk, Compliance and executive stakeholders to solve complex problems that span organisational boundaries.

Success in this role comes through influence, relationships and organisational leadership as much as execution. You'll need to build alignment across a wide range of teams, create clarity in ambiguity, and help Monzo discover what works in new markets while establishing the foundations that allow us to scale across Europe.

This is one of Monzo's most strategically important areas and a unique opportunity to help build a European bank from the ground up.

What you’ll work on

• Lead a distributed engineering organisation spanning multiple squads, markets and countries.
• Build and develop Engineering Managers, Senior Engineering Managers and senior technical leaders.
• Partner with Product, Design, Data, Research, Operations, Risk and Compliance leaders to define and execute Monzo's European strategy.
• Drive alignment and execution across numerous collectives to ensure Europe receives the capabilities it needs to succeed.
• Shape how Monzo approaches market expansion, localisation, regulatory requirements and multi-market product development.
• Influence priorities and outcomes across teams that do not directly report to you.
• Create clarity and momentum in highly ambiguous problem spaces where ownership and solutions are not always obvious.
• Design and evolve organisational structures, operating models and planning processes that allow Monzo to scale effectively across Europe.
• Help identify and validate product-market fit in new markets while balancing short-term delivery and long-term strategic investments.
• Partner closely with executive leadership to shape the future of Monzo's European business.

You should apply if

• You have experience leading large engineering organisations through other leaders, including Engineering Managers, Senior Engineering Managers and senior individual contributors.
• You have successfully operated in highly complex organisations where outcomes depend on collaboration across many teams and functions.
• You are exceptional at building relationships and influencing without direct authority.
• You can navigate ambiguity and create clarity where goals, ownership or priorities are not yet fully defined.
• You have experience scaling organisations through periods of rapid growth, organisational change or market expansion.
• You enjoy solving organisational and business problems, not just technical ones.You can balance strategy and execution, translating ambitious goals into tangible outcomes.
• You are comfortable making decisions in environments where there is rarely a perfect answer.
• You have a strong track record of building high-performing leadership teams and developing future leaders.
• You are energised by the challenge of building something new and helping shape the future of Monzo's international expansion.

The interview process

After an informal ~30 min recruiter call our interview process involves 2 main stages: 

1. Initial Call (1 hour) You'll meet with one of our senior engineering leaders. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)
2. Loop Stage - This is one stage with 4 interviews (totalling 4 hours) split between a collaboration with one of our engineers on a technical exercise, as well as execution and leadership interviews.

At all stages we’ll create space for you to ask as many questions as you have, you’re interviewing us as well!

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.

How we work 💻:

Locations & Flexible Working : 

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. 

We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or online.

Set up a work schedule that delivers impact and fits your life.

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. 

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. 🕒✨

Work the way that works for you with Monzo! 💼

What’s in it for you

💰Base salary £170k - £225k + Equity + Benefits 

✈️ 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

#LI-AL1 #LI-REMOTE

📍London/Cardiff/UK Remote | 💰 £138,000 to £176,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨ 

About the role

Borrowing is one of Monzo’s most important growth engines. We’ve built strong scale in the UK, and the next phase is even more ambitious: grow in the UK, expand into new customer segments, and build the underwriting capability needed to scale into Europe.

We’re looking for a senior ML leader to help shape that next phase.

You’ll lead a high-calibre team of ML scientists and help define Borrowing’s ML roadmap across UK growth, new customer segments, and EU expansion. You’ll work across underwriting, pricing, limits, and lifecycle decisioning — improving today’s models while helping build the next generation of capability for Monzo.

This role combines near-term commercial impact with long-term strategic advantage:

• improving performance across our range of products
• unlocking new data and faster model development
• helping Monzo build underwriting that scales into new markets
• shaping how advanced ML and AI can create real value in Borrowing

You’ll partner closely with leaders across Credit Strategy, Product, Engineering, Model Validation, Data, and Platform, and influence decisions that shape both business performance and the long-term architecture of credit decisioning at Monzo. 

What you’ll own

• Borrowing ML roadmaps across UK optimisation, new customer segments, and EU expansion
• Faster model improvement through new data and feature engineering
• How Monzo uses Open Banking, transaction intelligence, and external data in credit decisioning
• More portable underwriting capabilities across products, customer segments, and markets
• Hiring, leading, and developing a high-performing ML team
• Raising the bar on model quality, governance, tooling, and speed of iteration

What you’ll be working on

Examples of the challenges you could help lead:

• Improving underwriting models across Loans, Flex, and Overdrafts
• Expand the data we use in our models
• Building better feature engineering and model shipping capability
• Improving transaction intelligence for credit use cases
• Developing underwriting capabilities for new customer segments and EU markets
• Shaping Monzo’s approach to advanced ML and AI

Our technology stack

We rely heavily on the following tools and technologies, although we do not expect applicants to have prior experience of all of them:

• Google Cloud Platform
• BigQuery SQL and dbt
• Python and the PyData stack
• Google AI Platform
• AWS
• Python for ML services
• Go for backend services
• AI tooling for productivity
• Google Workspace including Gemini
• ChatGPT Enterprise
• Claude Code

You should apply if

• You want to shape the next phase of credit decisioning at one of Europe’s most ambitious fintechs
• You enjoy combining strategic leadership with strong technical judgment
• You’re excited by the intersection of underwriting, data, product, and platform capability
• You like building teams as much as building models
• You care about real customer and business impact

You must have

Credit and machine learning

• Strong knowledge of machine learning, statistics, and decisioning systems
• Deep experience in credit risk and lending
• Experience building, deploying, and iterating credit models in production
• Experience pushing the innovation frontiers of the credit industry

Leadership and delivery

• Experience leading and developing senior ML scientists
• Strong cross-functional leadership with Product, Credit Strategy, Engineering, and Validation
• Track record of turning strategy into practical delivery in a regulated environment

It would be great if you also have

• Experience across more than one market
• Experience with advanced ML methods and AI on structured financial data

The interview process

• 30 min Recruiter Call
• 45 min Initial Call
• 60 min ML technical interview
• 60 min People Leadership interview
• 60 min Product / Credit ML interview

All interviews will be conducted through Google Meet.

What’s in it for you

💰 £138,000 to £176,000 ➕ plus stock options & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be based in our London office with a hybrid working pattern, or fully remote within the UK with occasional travel to London.

🏡 We’ll set you up to work from home, including support for remote setups.

⏰ We offer flexible working hours and trust you to work in a way that lets you do your best work.

📚 Learning budget for books, training courses and conferences

➕ And much more — see our full list of benefits here

#LI-DC2  #LI-Remote

📍London/UK Remote | 💰 £57,800-£75,000 ➕ Incentive Awards tied to your performance and  Benefits | Hear from the team ✨

About our Analytics Engineering Team:

Our Analytics Engineering discipline works in the intersection between data, engineering and our collectives - Money, Borrowing, Operations and Financial Crime and beyond. The 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 be an individual contributor in our Analytics Engineering team, working across a variety of projects to spot patterns in the way we build our Data Warehouse and optimise our BI platform, Looker. You’ll help us load and transform even more data, minimise our cloud costs, contribute using our best practices, keeping quality high.

We are at an exciting stage in our growth and have roles available across Growth and Finance, so do let us know if you’re interested in a specific area.

What you’ll be working on 

Your day-to-day   

Working in a multi-disciplinary data / engineering squad, you will:

• Support the building of robust pipelines and data models downstream of backend services (mostly in BigQuery) that support internal reporting, machine learning as well as financial and regulatory use cases.
• Build with optimisation of our Data Warehouse in mind, spotting and raising 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.
• Follow our established best practices and standards defined by the team.
• Investigate and effectively work with colleagues from other disciplines to monitor and improve data quality within the warehouse.

You should apply if:

• You have some experience and a passion for Data Modelling, ETL projects and Big Data as an engineer, developer or analyst.
• You are confident with SQL and data modelling.
• You are comfortable with general Data Warehousing concepts.
• You have an eye for detail.
• You’re ready to be part of a growing team in new areas of growth!

The interview process:

Our interview process involves 4 main stages: 

• Recruiter Call (30 mins)
• Initial Call with Hiring Manager (45 mins)
• Take home task
• Final Loop consisting of x2 hour long interviews to assess a Case Study and Behavioural 

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.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to tech-hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

What’s in it for you:

💰 £57,800-£75,000 and Benefits

✅ 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

#LI-AS 1 #LI-REMOTE

Staff Analytics Engineer - Borrowing

📍London/Cardiff/UK Remote | 💰 £121,600-164,600 + stock and benefits | Hear from the team ✨

⭐ Our Borrowing Analytics Engineering Team

Our mission in Borrowing is to help people achieve their financial goals through better borrowing. Our customers borrow money to achieve something in their lives — whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. We’re shaping this mission by building products our customers love, while safely scaling some of Monzo’s biggest revenue lines.

Borrowing is one of Monzo’s most complex and fastest-growing domains. We operate 12+ products across multiple geographies, underpinned by 1,700+ data models and an analytics engineering team that’s scaling to match. We’re in the middle of a major data architecture transformation, expanding into new markets, and building the next generation of data infrastructure to support it all.

We’re looking for a Staff Analytics Engineer to help shape how Borrowing builds and uses data at scale. Reporting to the Borrowing Data Director, you’ll work across product, credit, engineering, Data Platform, and analytics engineering teams to turn complex technical problems into clearer systems, stronger data products, and better business decisions.

🔑 You’ll play a key role by…

• Architecting Borrowing’s data layer at scale. Partnering across Analytics Engineering, Product, Engineering, Credit, and Data Platform to shape how 1,700+ models across 12+ products are structured, connected, and evolved. You’ll set shared patterns that help teams build trusted, consistent, and scalable data products across Borrowing.
• Designing and governing data products. Moving us beyond ad-hoc tables toward well-defined, contractual data assets with clear ownership, SLAs, documentation, and interfaces. You’ll work with teams across Borrowing and Data Platform to define what makes a Borrowing dataset “production-grade” and consumable by analytics, ML, decisioning, and regulatory teams.
• Building feature stores and reusable analytical assets. Identifying cross-product signals (credit behaviour, repayment patterns, affordability, risk indicators) that should be modelled once, tested rigorously, and consumed by many. You’ll design the layer that turns raw product data into curated, versioned features that power models, dashboards, and decisions.
• Scaling our analytics engineering infrastructure. Shaping the tooling, patterns, and developer experience that make an 80+ person credit and data organisation more productive. This means influencing our data architecture and ways of working across data and credit disciplines, while partnering with the central Data Platform team to ensure Borrowing’s needs are reflected in ingestion, streaming, and schema contract design.
• Driving cross-product data consistency. As we expand across geographies and product lines, ensuring our data models are coherent and comparable. You’ll work with AE leads and domain experts to define shared conventions and abstractions that allow us to reason about Borrowing as a whole, not just product-by-product.
• Being a senior technical partner for Borrowing’s data estate. Partnering with backend engineers on source data payload design, with product managers on measurement strategy, with credit teams on decisioning data, and with senior leadership on what’s possible and what’s next.
• Leading through influence and leverage. You won’t manage people directly, but you’ll shape how an entire domain builds data. You’ll multiply the impact of AEs across Borrowing by setting the right patterns, unblocking architectural decisions, and raising the bar on what good looks like.

🤩 We’d love to hear from you if…

• You think in systems, not just queries. You’ve designed data architectures that span multiple products or domains, and you know how to keep them coherent as they scale. You can take ambiguous problems and turn them into a clear technical direction, delivery sequence, and set of trade-offs.
• You’ve built data products, not just data models. You understand the difference between a table that exists and a data asset that’s governed, documented, versioned, discoverable, and trusted. You’ve defined SLAs, contracts, interfaces, or ownership models for data consumers, and you’re excited to do this at scale.
• You have deep fluency with analytics engineering systems and infrastructure. dbt at scale, BigQuery or equivalent, CI/CD for data, testing frameworks, and orchestration. You don’t just use these tools, you shape how teams use them. You’ve hit the scaling limits and know what to do about them.
• You can design reusable feature layers. You’ve designed, contributed to, or have a clear vision for reusable feature layers that serve multiple consumers, including ML pipelines, dashboards, decisioning engines, and regulatory reporting. You understand the trade-offs between freshness, cost, granularity, correctness, and ease of use.
• You’re comfortable at the platform boundary. You can have a productive conversation with a Data Platform engineer about ingestion patterns, streaming vs. batch trade-offs, schema evolution, and infrastructure costs. You don’t need to build the platform, but you need to shape what it delivers.
• You connect technical choices to business outcomes. You care about whether data models, feature layers, and platform patterns actually improve decisions. You understand how product, credit, engineering, and operational teams use data, and you use that context to align people around better technical choices.
• You lead through others. You create leverage not by writing more SQL, but by setting patterns, reviewing designs, unblocking teams, and raising the standard. You’re energised by making 30+ people more effective, not by being the single expert.
• You communicate across altitudes. You can whiteboard a data architecture with a back-end engineer in the morning and present a strategic data roadmap to a director in the afternoon. You adapt your message to your audience without losing precision.
• You care about credit products. You’re excited, or curious, about the complexity of lending, including risk, affordability, regulatory constraints, and multi-product dynamics. You see it as a fascinating data domain, not just a business vertical.

Interview process

Our typical process is structured as:

• Recruiter call
• Initial call  
• 3 x 1 hours sessions (final interview)

Our average process takes around 3-4 weeks but we will always work around your availability. 

What’s in it for you:

💰 £121,600-164,600 base 

✈️ 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-AS #LI-Remote

📍Barcelona or Madrid, Spain  | 💰€51,000 - €62,000, Incentive Awards tied to your performance ➕benefits | Hear from the team ✨

⭐Our PR team

If you love driving ambitious PR strategies, have experience doing this in Spain as well as other European markets and are passionate about what Monzo is doing, this could be the role for you! We're looking for an experienced PR professional to join our team as a PR and Communications Manager for Expansion Markets to help us bring Monzo to more people in more places.

You’ll be excited by the opportunity to work across different areas of communications, delivering PR activities and campaigns spanning B2B, corporate and consumer audiences. This role will work closely with many teams across the business including marketing,  product and engineering. You’ll have strong experience reaching an SME and consumer audience and managing day-to-day activities as part of a busy press office. Implementing activity that supports business goals, showcasing the best of Monzo in other markets will be key.  You'll need to be an exceptional communicator and a strong collaborator with the ability to multitask.

This role is for a planner and doer, who isn’t afraid to get their hands dirty and approach projects in a collaborative manner. You will have the ability to create proactive PR stories through creative ideas that resonate with the Monzo audience. 

🔑You’ll play a key role by…

• Supporting the day-to-day running of the PR press office in Spain and other markets across Europe. This will include BAU activity and bigger campaigns. 
• Working with the team to execute our go-to-market PR strategy for Monzo in future European markets.
• Working on the PR activity for both Monzo Business and consumer product launches, shaping how we communicate our value and impact.
• Having a deep understanding of how to scale and localise campaigns across multiple markets. 
• Managing reactive media inbounds as well as any crisis situations should they arise.
• Driving high-impact PR and reputation-building campaigns in Spain and other expansion markets.
• Collaborating cross-functionally with product, commercial, and operations teams to uncover and amplify compelling PR opportunities.
• Building strong relationships with key media and journalists, while managing incoming press enquiries.
• Using data and insights to inform and adapt stories in our international expansion efforts.
• Supporting relationships with external PR agencies.
• Staying ahead of industry and relevant policy trends and developments to inform strategy and maintain thought leadership.

🤩We’d love to hear from you if…

• You have experience managing PR in Spain and across multiple European markets.
• You can scale and localise PR activity across Europe.
• You have a proven track record of securing impactful media coverage for a business audience.
• You know how to work beyond traditional media e.g., podcasts, substacks, newsletters, content creation, social, influencers. 
• You have exceptional written and verbal communication skills.
• You are fluent in Spanish and English. Additional European languages would be welcomed. 
• You have the ability to thrive in fast-paced, evolving environments.
• You have demonstrated creativity and impact in delivering standout PR campaigns.
• You have strong stakeholder management and cross-functional collaboration skills.
• You have a genuine passion for Monzo’s mission and an excitement to help bring it to more customers around the world!

🙌What’s in it for you

💰 A salary range of €51,000 - €62,000 ➕Incentive Awards tied to your performance.

📍 This role will have a hybrid working model, based in our Barcelona or Madrid office 2 - 3 days a week, however, there may be opportunities to travel to Monzo’s head offices in London and Dublin from time to time.

⏰ 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. 

🏝 Annual Leave - 38 days including public holidays.

📚 €1,200 learning budget each year to use on books, training courses and conferences.

🏥 Private healthcare scheme.

💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling.

🌈 The application journey has 3 key steps

• Recruiter call
• Interview with the Hiring Manager
• Role Specific & Behavioural Interview

This process should take around 2-3 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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated.

#LI-ÉS1

📍Barcelona or Madrid, Spain  | 💰€51,000 - €62,000, Incentive Awards tied to your performance ➕benefits | Hear from the team ✨

⭐Our PR team

If you love driving ambitious PR strategies, have experience doing this in Spain as well as other European markets and are passionate about what Monzo is doing, this could be the role for you! We're looking for an experienced PR professional to join our team as a PR and Communications Manager for Expansion Markets to help us bring Monzo to more people in more places.

You’ll be excited by the opportunity to work across different areas of communications, delivering PR activities and campaigns spanning B2B, corporate and consumer audiences. This role will work closely with many teams across the business including marketing,  product and engineering. You’ll have strong experience reaching an SME and consumer audience and managing day-to-day activities as part of a busy press office. Implementing activity that supports business goals, showcasing the best of Monzo in other markets will be key.  You'll need to be an exceptional communicator and a strong collaborator with the ability to multitask.

This role is for a planner and doer, who isn’t afraid to get their hands dirty and approach projects in a collaborative manner. You will have the ability to create proactive PR stories through creative ideas that resonate with the Monzo audience. 

🔑You’ll play a key role by…

• Supporting the day-to-day running of the PR press office in Spain and other markets across Europe. This will include BAU activity and bigger campaigns. 
• Working with the team to execute our go-to-market PR strategy for Monzo in future European markets.
• Working on the PR activity for both Monzo Business and consumer product launches, shaping how we communicate our value and impact.
• Having a deep understanding of how to scale and localise campaigns across multiple markets. 
• Managing reactive media inbounds as well as any crisis situations should they arise.
• Driving high-impact PR and reputation-building campaigns in Spain and other expansion markets.
• Collaborating cross-functionally with product, commercial, and operations teams to uncover and amplify compelling PR opportunities.
• Building strong relationships with key media and journalists, while managing incoming press enquiries.
• Using data and insights to inform and adapt stories in our international expansion efforts.
• Supporting relationships with external PR agencies.
• Staying ahead of industry and relevant policy trends and developments to inform strategy and maintain thought leadership.

🤩We’d love to hear from you if…

• You have experience managing PR in Spain and across multiple European markets.
• You can scale and localise PR activity across Europe.
• You have a proven track record of securing impactful media coverage for a business audience.
• You know how to work beyond traditional media e.g., podcasts, substacks, newsletters, content creation, social, influencers. 
• You have exceptional written and verbal communication skills.
• You are fluent in Spanish and English. Additional European languages would be welcomed. 
• You have the ability to thrive in fast-paced, evolving environments.
• You have demonstrated creativity and impact in delivering standout PR campaigns.
• You have strong stakeholder management and cross-functional collaboration skills.
• You have a genuine passion for Monzo’s mission and an excitement to help bring it to more customers around the world!

🙌What’s in it for you

💰 A salary range of €51,000 - €62,000 ➕Incentive Awards tied to your performance.

📍 This role will have a hybrid working model, based in our Barcelona or Madrid office 2 - 3 days a week, however, there may be opportunities to travel to Monzo’s head offices in London and Dublin from time to time.

⏰ 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. 

🏝 Annual Leave - 38 days including public holidays.

📚 €1,200 learning budget each year to use on books, training courses and conferences.

🏥 Private healthcare scheme.

💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling.

🌈 The application journey has 3 key steps

• Recruiter call
• Interview with the Hiring Manager
• Role Specific & Behavioural Interview

This process should take around 2-3 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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated.

#LI-ÉS1

📍London or Remote (UK)  | 💰 £165,000 - £200,000 + Incentives tied to your performance +  Benefits | Data Team, Borrowing 

⭐About our Borrowing team:

Our Borrowing (lending) team is growing and we’re looking for a Director to build and lead our credit risk function for lending to our business banking customers. The ideal candidate should have in-depth knowledge of lending to small and medium size sole traders and limited companies, automated decisioning and Credit Risk Management activities. 

As the size of our Business Banking customer base continues to grow, we are building out lending products to support our customers' funding needs. We aim to create a genuine feel-good factor when it comes to business credit, and are looking to build a team of driven, analytical and creative individuals to help us achieve this goal.

With your experience of developing credit risk strategies specifically for small and medium enterprises and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will lead a team of credit analysts and managers and play a pivotal role in refining our credit and pricing strategies, particularly as we introduce new lending products to the market. You will work with colleagues across Monzo to make sure we are building profitable lending portfolios and amazing products for our customers.

🔑 You’ll play a key role by…

• Leading a team designing and implementing credit and pricing strategies for our business lending products
• Monitoring the performance of our existing strategies, and iterating to improve them
• Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk 
• Supporting the design and roll-out of new products and customer journeys, while working together with people from engineering, marketing, product, risk and control to achieve this
• Providing leadership across our Business Banking and Borrowing Collectives. 
• Be a member of the Borrowing Leadership Team which drives Monzo's overall borrowing strategy

🤩 We’d love to hear from you if…

• You have strong domain expertise in providing lending products to small businesses
• You have a track record leading analytical credit teams 
• You have a deep understanding of how business lending works, including regulation and industry best practice
• You are passionate about customers and understand the role credit strategies and policies play in customer outcomes
• You’re comfortable balancing ‘soft’ information (e.g. customer feedback/qualitative market research) with hard data (e.g. A/B test outcomes)
• You have strong analytical and data capabilities, backed up by technical coding skills
• You can bring a dynamic energy to the team, and are keen for the chance to improve our products and help ship changes to our customers
• You are a clear communicator, able to cut through complex problems and articulate decision points
• You work well collaborating in a team with diverse skill-sets and personality types
• You are comfortable working in a fast-moving and changing company

🧠  The Interview Process:

Our interview process involves 4 main stages: 

• Recruiter Call
• Initial Call 
• Take Home Task
• Final stage (x3 interviews) consisting of a leadership, role specific and a values and collaboration interview

Our average process takes around 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. 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

London/Cardiff/UK Remote | 💰 £150,000–£180,000 + Incentive Awards tied to your performance + Benefits✨

Our Workforce Systems team ⭐

Customer Operations at Monzo is at the heart of delivering fast, safe and high-quality support to millions of customers.

As Monzo grows, the way we run operations is evolving. We’re supporting more customers, more products, more markets, more regulatory expectations, and a growing mix of human and AI-powered service. This creates one of the most interesting operational systems challenges at Monzo: how do we forecast demand, plan supply, schedule work, route tasks, understand live performance, and make capacity decisions across an increasingly complex global operation?

Workforce systems are central to this. They help determine how Monzo matches customer demand with human and AI capacity, how we protect service levels, how we make cost and capacity trade-offs, and how we keep support fast, safe and reliable as we scale.

The next phase is about building the workforce systems that allow Monzo to keep scaling Customer Operations as we expand our products, global footprint and AI capabilities - supporting our mission to make money work for everyone.

This role will lead that next phase.

You’ll sit at the intersection of Data, Product, Engineering, Operations and Finance. You’ll shape the technology, data products and operating systems that help Monzo understand demand, plan capacity, schedule work, measure execution, assign tasks, and respond to live operational change. You’ll work on capabilities that make workforce decisions more accurate, more automated, more explainable and more resilient as the business grows.

You’ll also build and develop the team and capability needed for this next stage - raising the bar for forecasting, measurement, operational data products and system-led workforce decisioning.

You don’t need to come from a traditional Workforce Management or contact centre background. We’re looking for a senior data-product systems leader who can reason from first principles, build scalable operational systems, and lead through ambiguity across multiple disciplines.

🔑 You’ll play a key role by…

• Leading the strategy for Monzo’s Workforce Systems, across forecasting, capacity planning, scheduling, work status, task assignment and service performance.
• Building and developing a high-performing team across forecasting, measurement, analytics and operational data products, while helping shape the wider workforce systems roadmap with Product and Engineering.
• Building production-grade data products that support live operational decisions - including forecasting, schedule fit, work-status signals, capacity impact, throughput and service-performance measures.
• Improving how we forecast and plan demand, including forecast accuracy, bias, uncertainty, feedback loops, and the impact of new products, new markets, AI agents and changing customer behaviour.
• Connecting forecasts, schedules and live execution, so teams can understand how operational reality is changing and take action at the right time.
• Developing stronger system controls for capacity decisions, including forecast releases, demand changes, operational process changes, tooling launches and staffing decisions.
• Evolving how Forecast Change Requests and capacity-impacting changes work, moving toward system-supported decisioning, impact assessment and guardrails.
• Partnering deeply with Product and Engineering to define and build the workflows, metrics, controls and technical capabilities that help teams make better workforce decisions.
• Helping evolve task assignment and routing, so work is allocated based on schedule, skill, capacity, prioritisation logic and live service needs.
• Raising the analytical and statistical bar across workforce planning and service performance, helping teams reason clearly about forecast error, AHT, workload, volatility, throughput, schedule adherence and customer outcomes.
• Transforming the operating model for the next stage of scale, helping teams move toward exception-based operation, feedback loops and system-led control.
• Working with senior leaders across Ops, Data, Product, Engineering and Finance to make trade-offs between service quality, cost, capacity, risk and speed of execution.

🤩 We’d love to hear from you if…

• You’ve led data products, forecasting systems, marketplace systems, logistics systems, operational platforms or live decision systems where data and models directly influenced how a business operated.
• You have strong first-principles systems thinking and can break complex operational problems into clear components, feedback loops, controls and product opportunities.
• You have strong statistical judgement - you understand forecasting, uncertainty, bias, volatility, measurement quality, and when a metric is ready to support an operational decision.
• You’re product-minded: you think about users, workflows, incentives, adoption, decision points, and how tooling can make good decisions easier.
• You’re credible with Engineering and can partner on architecture, reliability, system design, productisation, sequencing and trade-offs.
• You’ve built, led or scaled teams working across data, product, engineering or operational systems.
• You’re comfortable working in live operational environments, where decisions affect customers, cost, risk, regulation and service performance.
• You can lead through ambiguity and influence senior stakeholders across Product, Engineering, Data, Ops and Finance.
• You’re a builder-leader: you’ve created teams, systems, processes or capabilities that scale.
• You’re excited by the challenge of building workforce systems for a future where human and AI capacity operate together.
• You’re motivated by Monzo’s mission to make money work for everyone, and by the role Operations plays in delivering fast, safe and high-quality customer support as we grow.

👀 Your background could look like…

You may have worked in data science, data products, operational systems, forecasting, marketplace operations, logistics, planning systems, routing, service platforms, AI-enabled operations, or another complex supply/demand environment.

Experience in Workforce Management, customer operations, outsourcing, or contact centres would be useful, but it’s not required. We care more about your ability to understand complex systems, build data products that power operational decisions, and lead across Data, Product, Engineering and Operations.

You also don’t need to be the deepest hands-on forecaster or ML engineer yourself, but you should know what good looks like, set a high bar, and build the team and systems around you.

🌍 The opportunity

This is a senior technology and data leadership role focused on building the next generation of workforce systems at Monzo.

The role sits at the intersection of Data Science, Product, Engineering and Operations. It needs someone who can bring statistical judgement, product thinking, technical credibility and people leadership together to shape systems used in live operational decision-making.

You’ll help Monzo continue to scale Customer Operations as our product set, customer base, AI capabilities and global footprint grow. That means building systems that help us serve customers quickly and safely, use human and AI capacity well, and make high-quality operational decisions in increasingly complex environments.

🙌 What’s in it for you

💰 £120,000–£175,000 + Benefits
✈️ We’ll help you relocate to the UK, if applicable
✅ 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 occasional 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
📚 £1,000 learning budget each year to use on books, training courses and conferences
🏡 We’ll set you up to work from home; all employees are given MacBooks and remote workers get extra support for their home setup
➕ Plus lots more - read our full list of benefits

🧠 Our interview process

We focus on real-world problem solving - not brainteasers.

Our process usually includes:

• 30 minute recruiter call
• 45 minute hiring manager call
• Interviews with senior leaders across Data, Product, Engineering and Operations

We’ll explore how you think about:

• building data products that operate inside live systems
• forecasting, uncertainty and operational measurement
• designing systems, controls and feedback loops
• cross-functional leadership
• service performance and operational trade-offs
• building teams and capabilities for scale

Our average process takes around 3-4 weeks, and we’ll always work around your availability

📍London (UK) | 💰 £85,000-£138,000 + Incentive Awards tied to your performance + benefits

About the Insurance Team:

We’re building insurance that actually works for people – no jargon, no faff, no feeling like you’re being caught out.

Our mission is to offer simple, reliable and delightful insurance products that meet real-life needs, backed by great underwriting and claims partners to power seamless internal operations and exceptional customer experiences. 

We’re scaling our first product line, Home insurance, with plans to expand into additional insurance categories over the coming years. We're a focused team with ambitious growth targets and a chance to build something special from the ground up.

About the Role:

We’re looking for a Lead Insurance Pricing Analyst to help us better understand and improve the performance of Monzo’s insurance pricing.

This role sits at the intersection of data, pricing, and growth. You’ll be responsible for understanding how our prices perform in market, why, and where changes may be needed - from day-to-day optimisation through to longer-term pricing strategy.

This role will help Monzo bring stronger customer, conversion and market insight into pricing discussions, so we can better understand where we should be competitive, which customer segments we want to grow, and how pricing changes could support both growth and loss performance - while working in partnership with our insurer, who owns the pricing decisions and risk selection.

You’ll work closely with our insurance partner, data scientists, and product teams to turn pricing, risk and loss data into clear, actionable recommendations - particularly as we scale our distribution channels, including on price comparison websites (PCWs).

🔑 You’ll play a key role by…

• Building and maintaining a clear view of day-to-day pricing performance - understanding where we sit in the market and why
• Analysing pricing, conversion, claims and loss ratio data to identify opportunities to improve growth and profitability
• Running and supporting pricing experiments (e.g. segment-level changes, elasticity testing) including on PCWs
• Refining pricing segments, rating factors and tiering to improve decision quality
• Working with our insurer to evaluate pricing opportunities, assumptions and trade-offs, bringing the Monzo customer, conversion and market insight lens
• Building a clear view of price competitiveness, especially on PCWs, and recommending actions to improve rank and conversion
• Working with Data Science to deepen analysis, while independently driving core pricing work
• Helping develop our internal pricing capability - including frameworks, datasets and ways of working

🤩 We’d love to hear from you if…

• You have experience in insurance pricing, risk modelling, or data science - ideally UK Home or another personal lines product
• You are highly analytical and hands-on with data, comfortable running pricing experiments (e.g., elasticity testing), and using conversion, loss ratio, and risk data to drive actionable decisions
• You have enough underwriting and pricing knowledge to assess pricing assumptions, rating factors and trade-offs using data
• You have a solid grounding in SQL and experience with Data Analysis tools such as Python, Jupyter, Looker or similar

Nice to have (but not essential):

• You’ve worked in a digital-first insurer, insurtech, or high-growth product-led environment
• You have experience with PCWs or other highly price-sensitive distribution channels
• Familiarity with underwriting concepts and insurer-led pricing discussions

What’s in it for you

💰 Salary is £85,000 - £138,000 depending on experience 

📍 This role will be based out of our London office next to Liverpool Street station - in a hybrid way of working between the office and home

⏰ 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. 

💰 26 days holiday (plus bank holidays)

🏥 Private medical insurance with WPA

📚 £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.

#LI-REMOTE #LI-NJ1

📍London, Cardiff or Remote in the (UK) 💰 £97,800 -125,000 ➕ Incentive Awards tied to your performance and Benefits | Hear from the team ✨

Our team:

Our Mission in Operations is to deliver an effortless experience for everyone - helping Monzo deliver on its mission of making money work for everyone.

Data is crucial to the success of this mission and Operations Analytics Engineers are at the core of how we build, scale and re-architect our Operations Data Warehouse to enable Monzo to make better decisions, faster, and help serve Monzo’s customers better.

We're looking for a Lead Analytics Engineer within our Operations team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms, identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new markets and working with partners internally and externally to ensure we can design and build a first class system to meet our customers’ needs.

At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 10 million customers in the UK, with over 200,000 new people joining every month. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. 

This is a great opportunity to shape the future direction of how we serve our customers, enabling data to ensure we can provide a world class efficient service for all of Monzos customers, as we lay the foundations to build a best in class analytics function. You’ll work closely within our Operations Collective with product and engineering teams to build out our forecasting and routing systems, while partnering with our core operations team to enable a fast and agile workforce.

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. 

Your day-to-day:

Your responsibilities as a Lead Analytics Engineer will include :

• Serving as a data architect for Monzo’s Operations data, contributing to the design and scalability of data models that measure the performance of our Operations product suite.
• Develop robust data models downstream of backend services, primarily in BigQuery, to support internal reporting, machine learning, large language models, as well as financial and regulatory use cases.
• Scoping, building and leading through others the re-architecture of entire domains across Operations (including data about our workforce and about demands of our customers)
• Be a key voice in shaping and maintaining best practices for our Data Warehouse, including source data payload design, logical data modelling, implementation, metadata, and testing standards.
• Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
• Contribute to prioritising data governance issues, ensuring a comprehensive approach to data integrity and compliance.
• Being a key technical leader who’s able to champion central platform initiatives that aim to elevate the data standards across Operations and beyond. 
• 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.

Locations & flexible working: 

Our main tech hub is in London, but our data teams are based all over the UK.

We love meeting in person, but there’s no pressure to come into the office, even if you’re nearby. You’ll do your best work where you feel most comfortable.

We value flexibility, connection, and wellbeing. You’ll have the freedom to work in a way that fits your life, whether that’s school drop-offs, avoiding rush hour, or making time for what matters most.

Work the way that works for you at Monzo! 💼

You should apply if:

• 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.
• You have experience building robust and reliable data sets that require a high level of control.
• You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
• You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
• You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
• You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
• You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
• You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Operations and Analytics Engineering.
• Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

Interview process

Our typical process is structured as:

• Recruiter call
• Initial call  
• Technical task 
• 3 x 1 hours sessions (final interview)

Our average process takes around 3-4 weeks but we will always work around your availability. 

What’s in it for you:

💰 £97,800-£125,000 base 

✈️ 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-AS #LI-Remote

📍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

📍London / UK Remote | 💰 £155,000 - £200,000 + Equity | Benefits | Technology 

Senior Staff Engineer: L70 on our Engineering Progression Framework

About our Engineering Teams:

We have around 600 engineers out of roughly 5,000 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.

We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do.

Senior Staff Engineer Responsibilities:

A Senior Staff Engineer at Monzo is a hands on engineering leadership (IC) position. As a Senior Staff Engineer you’ll:

• Partner with Engineering Directors to shape the technical and product direction of a collective, providing leadership across multiple squads (30–70+ engineers) and ensuring alignment with company-wide priorities.
• Be hands on in both coding and architecture, leading from the front.
• Partner closely with Product and Design leadership to define strategy, shape roadmaps, and make high-quality trade-offs that maximise business and customer impact across the collective.
• Mobilise teams across your collective around high-impact problems, creating clarity, alignment and momentum, injecting urgency when needed, or slowing things down to ensure safety and long-term sustainability.
• Lead and influence architectural direction for the most complex systems, ensuring cohesive, scalable designs across multiple teams and aligning local decisions with the broader system strategy.
• Set and uphold a high bar for technical excellence across the collective, driving improvements in quality, reliability and scalability, and fostering a culture where engineers hold each other to that standard.
• Proactively mentor, sponsor and develop senior engineers and future leaders, multiplying your impact by enabling others to operate at a higher level.

What you’ll be using/ What you’ll be working on: 

We rely heavily on the following tools and technologies:

• Go to write our application code (there’s an excellent interactive Go tutorial here)
• Cassandra for most persistent data storage
• Kafka for our asynchronous message queue
• Kubernetes and Docker to schedule and run our services 
• AWS for most of our production infrastructure and GCP for most of our data infrastructure.
• React for internal Web dashboards
• Feast for storing our features along a variety of tools to train and deploy models.

🤩We’d love to hear from you if… 

• You have a track record of leading complex, high-impact systems and driving technical direction across multiple teams
• You combine strong technical judgment with product and business awareness, making pragmatic trade-offs
• You’ve worked on scalable backend, distributed or data-intensive systems
• You’re comfortable operating in ambiguous problem spaces, helping teams define direction and execute
• You influence and align senior stakeholders across engineering, product and beyond
• You care about outcomes and impact, using data to guide decisions
• You enjoy mentoring and raising the bar for other engineers

How we work 💻

Locations & Flexible Working: 

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. 

We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or online.

Set up a work schedule that delivers impact and fits your life:

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. 

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. 🕒✨

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.

Work the way that works for you with Monzo! 💼

🙌What’s in it for you

💰 Base salary £155,000 - £200,000 + Equity

✈️ 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 4 key steps

Our interview process involves four main stages after an informal recruiter call: 

1. Recruiter Call 
2. Initial Call 
3. System Design Interview 
4. Take home task or pair coding exercise 
5. Final interview including a behavioural and a 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! 

One of our staff engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

#LI-Remote

#LI-ZM

📍London or Remote (UK) | 💰 £138,000 - £175,000 + Equity + Benefits 

About the Role 

This role is for a Senior Engineering Manager where you’ll be a manager of managers. You will be leading across multiple teams in an org of around 20-30 people. We’re expanding and your role as the Senior EM will be to grow and build new squads as needed. Your direct reports will include Tech Leads, Senior Engineers and 2-3 Engineering Managers.

Senior Engineering Managers at Monzo are part of cross-functional, autonomous teams and groups. Our teams are mission driven, and typically include Product Managers, backend, web and mobile engineers as well as data scientists, designers and subject matter experts relevant to that mission. Teams are organised into groups, and then collectives - we aim to keep our line management structure as shallow as possible, and for teams to directly own decision making relevant to their work.

Senior Engineering Managers are accountable for the technical and delivery outcomes for their area - that means supporting and developing best in class engineering talent, as well as creating an inclusive team environment for people to do their best work. You’ll be responsible for structuring, organising, supporting and challenging your team to deliver on their mission.

You can read more on the expectations of Senior Engineering Managers in our Progression Framework.

Is this role right for you?

While this is not a role which requires hands-on-coding, we are looking for an experienced manager who has a strong technical and delivery background and has worked as a software engineer in previous roles.

We recognise that Senior Engineering Managers lead in different ways, we’re looking for someone who is adept at: 

• Delivery and Execution: Enjoys taking accountability for delivery across your squad(s), collaborating with the Technical Lead and Product Manager.
• Engineering and Operational Excellence: Actively fosters a high bar for engineering excellence within your teams. You’re accountable for the technical outcomes your teams deliver alongside individual engineer performance and growth, so holding a high bar (and clearly articulating your expectations) is key.
• People Leadership: Has experience directly managing at least 2-3 Engineering Managers and leading orgs of around ~20 engineers. You can support, coach and develop them through their career with regular 1:1s and continuous feedback.
• Technical Influence: Partners with senior engineers to drive technical initiatives that raise the bar for our engineering practices.
• Stakeholder Relationships: Builds strong stakeholder relationships with other teams, and creates a focus space for engineers to do their best work.
• Organisational Wide Impact: Collaborates with the wider engineering organisation to contribute to company-wide best managerial and technical practices and standards.

We consider your application across all open EM roles at Monzo independent of which role you've applied for, so if you've recently applied to a similar role at Monzo and have been unsuccessful, please wait 6 months before applying again.

How we work 💻:

Locations & Flexible Working : 

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. 

We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or online.

Set up a work schedule that delivers impact and fits your life.

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. 

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. 🕒✨

Work the way that works for you with Monzo! 💼

The interview process:

After an initial informal recruiter call you go through two main stages

1. Initial Call (1 hour) You'll meet with one of our Senior Engineering Managers or Engineering Directors. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)
   
   
2. Loop Stage (3 hours 30 mins) The Loop stage consists of 3 x 60 min interviews that take place over 1-2 days (depending on your availability) and one 30 minute reverse interview (more details below).

The Loop is one stage and the interviews in this stage are:

- Team and Org Management (1 hour)
An example based interview with 1-2 of our engineering leaders. They’re interested to hear examples from your previous experience on the teams you’ve led, how you’ve shaped and partnered with product, and the impact you had.

- System Design (1 hour)
You'll partner with a Staff or Principal Engineer on a technical whiteboarding exercise.

- Behavioural (1 hour)
Similar to Team and Org Management, this is an example based interview with 1-2 Engineering Leaders. This interview focuses on your people leadership style and core behaviours as an Engineering Manager.

- Chat with an Engineering Leader (30 mins)
At Monzo, we believe interviews are a two-way street. This will be your opportunity to ask us any questions about Monzo, engineering leadership or our teams – whatever’s on your mind. 

All things going well, you'll have completed the hiring process 🚀

Our average process takes around 3-4 weeks but we will always work around your availability. You’ll have the chance to speak to our recruitment team throughout the process. 

What’s in it for you:

💰 £138,000 - £175,000 + Equity + Benefits 

✈️ 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-Remote #LI-AL1

📍London or UK Remote | 💰 Senior Engineer (L50) £105,000 - £135,000 + Incentive Awards tied to your performance + Benefits | Technology - Engineering  

About our Engineering Teams:

We have around 400 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company.

These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities.

We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do!

Your day-to-day   

This role is all about collaborating with your team to make a difference to your customers. As a backend engineer you’ll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more! 

Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are: Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion. All of our collectives are doing innovative work, many of which have machine learning and AI at the forefront- from fighting financial crime to building smarter financial tools - and you may have the opportunity to join a collective that gives you direct exposure to this exciting space.

They’re all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need! 

Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles.

How we work 💻

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️

Teams also schedule time together often for work and play – in or around the office, or online.

Set up a work schedule that delivers impact and fits your life:

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance.

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency 🕣✨

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.

Work the way that works for you with Monzo! 💼

You should apply if:

• you have strong experience working on the backend of a technology product
• 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 comfortable working in a team that deals with ambiguity
• you’re interested in distributed systems and writing resilient software
• you have some experience with strongly-typed languages (Go, Java, C, Scala etc.).
• you think you’d enjoy the kind of work we’re doing

We're on the look out for L50 Engineers at the moment, you can read more in our Engineering Progression Framework - we will interview you across the whole frame work, so if you are not sure what level you are aiming for please chat to your recruiters! 

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 thats listed just yet. Drop us your application, we’d love to hear from you!

What you’ll be working on: 

We hire very technically agnostic so whilst we use the below technologies we do not expect prior knowledge, you will be fully supported in our organised onboarding to get up to speed in the below: 

• Go to write our application code (there’s an excellent interactive Go tutorial here)
• Cassandra for most persistent data storage
• Kafka for our asynchronous message queue
• Kubernetes and Docker to schedule and run our services 
• Envoy Proxy for RPC
• AWS for most of our production infrastructure and GCP for most of our data infrastructure
• React for our public web apps and internal tools
• We also have physical datacenters with actual cables to connect to various third parties

The Interview Process:

Our interview process involves three main stages: 

1. Initial Call 
2. Take home task or pair coding exercise 
3. Final interview: including a system design and a behavioural interview 

Our average process takes around 4 weeks but we will always work around your availability. 

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

What’s in it for you:

💰 £105,000 - £135,000 + Incentive Awards tied to your performance

✈️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 

We're usually always hiring for Backend Engineers, so there's no closing date for this job.

#LI-Remote

#LI-HJ1

📍London or Remote (UK) | 💰 Base salary for this role is £112,000 - £145,000 + Incentive Awards tied to your performance + Benefits 

Engineering Management at Monzo:

Engineering Managers at Monzo are part of cross-functional, autonomous teams and groups. Our teams are mission driven, and typically include Product Managers, backend, web and mobile engineers as well as data scientists, designers and subject matter experts relevant to that mission. Teams are organised into groups, and then collectives - we aim to keep our line management structure as shallow as possible, and for teams to directly own decision making relevant to their work.

The Engineering Manager role at Monzo is split into three pillars - people, product, and technical leadership. Engineering Managers are accountable for the technical and delivery outcomes for their area - that means supporting and developing best in class engineering talent, as well as creating an inclusive team environment for people to do their best work.

You can read more on the expectations of Engineering Managers on our Progression Framework.

The Role

We're continuously hiring Engineering Managers as we continue to grow and build new teams. We hire on a pipeline based approach which means your application will be considered across all of our open EM positions. We use the interview process to assess your strengths and we'll match you to a role that best aligns with your experience. Of course, this is a collaborative process so you can also tell us which roles you're most interested in as you progress through interviews 😊 We're currently hiring across Platform, Core App, and Expansion.

You’ll spend your time:

• Taking accountability for delivery across your squad(s), collaborating with the Technical Lead and Product Manager.
• Actively fostering a high bar for engineering excellence within your teams. You’re accountable for the technical outcomes your teams deliver alongside individual engineer performance and growth, so holding a high bar (and clearly articulating your expectations) is key.
• You’ll initially lead a group of around 7-10 engineers (depending on the role) and support, coach and develop them through their career with regular 1:1s and continuous feedback.
• Partner with senior engineers in your area to drive technical initiatives that raise the bar for our engineering practices.
• Lead on communication with stakeholders from other teams, creating focus space for engineers to do their best work.
• Collaborate with the wider engineering organisation to contribute to company-wide best managerial and technical practices and standards.

You should apply if:

While this is not a role which requires hands-on-coding, we are looking for an experienced manager who has a strong technical and delivery background and has worked as a software engineer in previous roles.

We recognise that engineering managers lead in different ways, we’re looking for someone who: 

• Is comfortable operating with ambiguous problem areas with a high degree of autonomy.
• It’s a bonus if you have experience working in an experimentation led environment.
• Has delivery experience and is able to guide the squads in achieving their outcomes.
• Focuses on outcomes over processes, who optimises for the highest impact and leverage.
• Is able to input, understand and challenge engineering decisions - but to empower the team to make those decisions themselves
• Has an understanding of what good looks like for a high-performing team of engineers and ability to chart a course to get there
• Is able to to coach people to achieve their goals
• Has a natural ability to inspire and motivate a team

We consider your application across all open EM roles at Monzo independent of which role you've applied for, so if you've recently applied to a similar role at Monzo and have been unsuccessful, please wait 6 months before applying again.

How we work 💻:

Locations & Flexible Working : 

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. 

We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or online.

Set up a work schedule that delivers impact and fits your life.

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. 

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. 🕒✨

Work the way that works for you with Monzo! 💼

The interview process:

After an initial informal 30 min recruiting call, our interview process involves two main stages:

1. Initial Call Interview (1 hour) You'll meet with one of our Senior Engineering Managers or Engineering Directors. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)
   
   
2. Loop Stage (3 hours 30 mins) The Loop stage consists of 3 x 60 min interviews that take place over 1-2 days (depending on your availability) and one 30 minute reverse interview (more details below).

The Loop is one stage, and the interviews in the Loop are:

- Team and Org Management (1 hour)
An example based interview with 1-2 of our engineering leaders. They’re interested to hear examples from your previous experience on the teams you’ve led, how you’ve shaped and partnered with product, and the impact you had.

- System Design (1 hour)
You'll partner with a Staff or Principal Engineer on a technical whiteboarding exercise.

- Behavioural (1 hour)
Similar to Team and Org Management, this is an example based interview with 1-2 Engineering Leaders. This interview focuses on your people leadership style and core behaviours as an Engineering Manager.

- Chat with an Engineering Leader (30 mins)
At Monzo, we believe interviews are a two-way street. This will be your opportunity to ask us any questions about Monzo, engineering leadership or our teams – whatever’s on your mind. 

All things going well, you'll have completed the hiring process 🚀

Our average process takes around 3-4 weeks but we will always work around your availability. You’ll have the chance to speak to our recruitment team throughout the process. 

What’s in it for you:

💰 Base salary for this role is £112,000 - £145,000 + Incentive Awards tied to your performance

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

📍We offer flexible working with no company mandate on how often you need to come into the office. You can be London based or remote within the UK (with ad hoc visits to our London office).

⏰ 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

We're usually always hiring for Engineering Managers, so there's no closing date for this job. 

#LI-AL1 #LI-REMOTE

📍London or Remote (UK) | 💰 Base salary £170k - £225k + Equity + Benefits 

Monzo is on a mission to build technology that connects the world. We are more than a platform; we are a global infrastructure that millions of people rely on for their daily lives, finances, and communication. This puts us in an incredibly unique position. We are the custodians of immense amounts of sensitive financial data as well as people’s money that are highly attractive to sophisticated adversaries and state-level actors.

Monzo has always adopted a Secure by Design model. We believe that security is not a function, but is instead a fundamental property of high-quality engineering. We have a world-class team of software and security engineers who ensure our platform is inherently secure and resilient, and we achieve that by making our security principles an invisible part of the developer experience.

The Role

The Engineering Director, Security will be a senior leader within our global Security organisation, partnering directly with the CISO and other senior engineering leaders. You will lead an organisation of 30–50 engineers and leaders to define and deliver a strategy that protects our global footprint.

We’re looking for a deeply technical software engineering leader who has built and led high performing infrastructure, platform, or distributed systems engineering organisations and can apply those skills to one of Monzo’s most important engineering challenges: making security an embedded, invisible property of how we build software.

You do not need to come from a traditional security background. We care more about exceptional engineering leadership, organisational design, platform thinking, and strong technical judgement than deep specialisation in security.

What you'll do

• Drive the secure-by-design mandate, leading the transition from reactive security to proactive architectural invariants. Your goal is to ensure that our core platform primitives - compute, storage, networking and identity - are built with inherent security properties that cannot be bypassed.
• Eliminate systemic risk by identifying fundamental, cross-cutting security problems and driving major software engineering improvements to solve them at the root. 
• Partner with product and software engineering teams to embed a healthy security culture into Monzo’s product development process.
• Cultivate an engineering-first culture, fostering a culture where security engineers are, first and foremost, software engineers. You’ll ensure your teams are delivering high-leverage tools and frameworks that enable the data and software engineering disciplines to move at the speed-of-thought, without compromising security.
• Manage a high-performing group of software engineering leaders and senior individual contributors, nurturing a diverse organisation that thrives on solving the world’s most complex security challenges.
• Collaborate with software engineering managers and engineering leaders to contribute to company-wide security best practices and standards.
• Form a close alliance with the CISO, CTO, and Product leaders to advise on the long-term health of the business, ensuring our security roadmap is aligned with our global mission.

Responsible for the engineering effectiveness and operational excellence of your teams, setting a high bar for performance, rigour, and inclusive leadership.

What we are looking for 

We are looking for a leader who has been in the weeds of technical detail and has moved into high-scale leadership without losing their technical edge. This is not a traditional Head of Security or CISO-style role, and we are intentionally looking beyond career security specialists.

Strong candidates may come from software engineering, distributed systems, developer platforms, infrastructure engineering, or large-scale backend product engineering backgrounds. You do not need to have spent your career in security. What matters most is exceptional engineering leadership, strong technical judgement, and experience building highly reliable, secure-by-default software systems at scale.

Whilst this role doesn’t require deep specialist security expertise, we’re looking for:

• Architectural authority: You possess the technical depth to understand and challenge complex engineering decisions. You can lead a room of Principal Engineers through a deep-dive into distributed systems, or cryptographic trust boundaries.
• Proven leadership: You have a track record of leading engineering organisations of 30–50 people in a high-growth, top-tier tech environment. You know how to structure teams for maximum impact and autonomy.
• Software engineering experience: You likely spent the first half of your career as a Senior or Staff Engineer. You have a deep understanding of how systems are built.
• Outcome-obsessed: You prioritise high-leverage work over process for process’s sake. You understand that good security looks like a platform that is secure by default, not a long list of compliance tickets.
• Empathy & inclusion: You have a high degree of emotional intelligence and a relentless drive to create an inclusive, blameless team environment where everyone can do their best work.
• Decisiveness in ambiguity: You are comfortable operating with a high degree of autonomy, making high-stakes decisions in fast-moving, often time-sensitive scenarios.

How we work 💻:

Locations & Flexible Working : 

Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. 

We value meeting in person but there’s no pressure to come into the office, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs. ✨

Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️. Teams also schedule time together often for work and play – in or around the office, or online.

Set up a work schedule that delivers impact and fits your life.

At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. 

You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency. 🕒✨

Work the way that works for you with Monzo! 💼

The interview process:

Our interview process involves 3 main stages:

1. Recruiter Call (30 mins) You'll meet our Engineering Leadership Recruiter to discuss your experience and learn more about Monzo. They'll be your partner and guide throughout the interview process.
2. Initial Call (1 hour) You'll meet with our VP of Engineering. They'll ask you about your previous experience, in particular people leadership, product delivery and technical leadership. They’ll ask example based questions (‘Tell me about a time when…’)
3. Loop Stage - This is one stage with 4 interviews (totalling 4 hours) split between a collaboration with one of our engineers on a technical exercise, as well as execution and leadership interviews.

At all stages we’ll create space for you to ask as many questions as you have, you’re interviewing us as well!

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.

What’s in it for you:

💰Base salary £170k - £225k + Equity + Benefits 

✈️ We can help you relocate to the UK

✅ We can sponsor visas

📍This role can be based in our London office, or 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

📍London, Cardiff, or UK Remote | 💰£136,000 - £180,000 + Incentive Awards tied to your performance | Benefits ✨

⭐️ Our Financial Crime & Fraud Collective

We’re all about earning and keeping customers' trust while making sure we grow safely. The Financial Crime & Fraud Collective plays a big role in this, working hard to protect our community. The Fraud Director is responsible for ensuring we keep fraudsters at bay so customers can bank with confidence.

🔑 You’ll play a key role by…

As a Fraud Director, you’ll lead our Fraud & Disputes Risk team here at Monzo, where you’ll also work as part of the wider Fraud & Disputes Group Leadership Team. 

We’re looking for a proactive leader with deep understanding and expertise in fraud risk management and strategy. You’ll build strong and trusted relationships with our Fraud Product, Engineering, Data and Operations teams and work collaboratively to help build and embed effective Fraud controls and processes for our customers, whilst creating a positive culture across our Fraud Group.

You’ll work across Monzo’s global teams and cover all product lines, including current accounts, business banking, borrowing and wealth. You’ll need to be an expert leader and people manager who is equally ready to get hands-on. 

We need a team of crime fighters to help us stay one step ahead as we continue to grow. You'll be at the forefront of innovation, employing the latest technologies to craft and develop our prevention-first tools that enable us to stay several steps ahead of the criminals, ensuring the continued trust and safety of our customers.

🤩We’d love to hear from you if…

• You have significant experience leading highly-effective risk teams, ideally in a regulated and fast-paced environment. 
• You have deep knowledge of fraud regulations in the UK and EU. 
• You know how to work hand-in-hand with Product, Engineering, and Data teams, finding the harmonious balance between a product-led mindset and deep fraud risk expertise.
• You have experience prioritising and developing innovative fraud management strategies, using the latest technology to scale and implement these. 
• You’re able to quickly and confidently understand, articulate and respond to emerging trends and risks across the fraud landscape (plugged into latest industry developments). 
• You can speak to and influence senior internal and external stakeholders with confidence and in line with Monzo’s values.
• You’re a great manager and coach with a track record of developing high-performing teams, using continuous feedback to empower individuals and drive tangible impact. 
• You’re data-driven (able to self-serve) and use technology to solve problems and identify opportunities. 

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 thats listed just yet. Drop us your application, we’d love to hear from you!

🙌 What’s in it for you

💰 £136,000 - £180,000 ➕Incentive Awards tied to your performance.

📍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

• 30 min call with the recruiter
• 30 min call with the hiring manager
• 2 hours of technical and leadership principles interviews
• Final 30 min call
  
  

This process should take around 4-5 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.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-OS1 #LI-REMOTE