📍London, Cardiff or Remote | 💰£70,600 - £83,000 depending on experience ➕ incentive awards tied to your performance | Benefits | Hear from the team

⭐ About our FP&A Team

We’re looking for a curious, adaptive, and data-focused FP&A Data & Analytics Manager to join our Financial Planning & Analysis team at Monzo. This role is focussed on data analysis and AI. You will be reporting to the Group Performance and Analytics Lead within the FP&A team and work closely with the Finance Data team. 

You’ll thrive on digging into complex financial and operational datasets, translating raw numbers into clear commercial insights, and leveraging AI alongside modern tech to build scalable data tools and solutions that drive high-impact decisions across the business.

🔑 You’ll play a key role by…

• Data Translation & Infrastructure: Translating FP&A/commercial requirements, prototyping and building downstream reporting/automation, while partnering with Finance Data/Analytics Engineering on core pipelines and production-grade shared data assets.
• Insights & Reporting: Preparing management information, delivering actionable insights, and building data solutions to help business partners achieve their goals.
• Automation & Process Improvement: Automating financial reporting processes and proactively spotting opportunities to streamline workflows and improve efficiencies across Monzo.
• Stakeholder Management: Working independently, taking the initiative, and building strong relationships with stakeholders at all levels across the business.

🤩 We’d love to hear from you if you have…

• Technical Data Skills: You have a solid grounding in SQL and preferably Python. You have experience using generative AI to accelerate analysis, prototyping and automation, with appropriate review and controls. Experience with data visualisation tools like Looker is a plus. Experience with Anaplan is a plus.
• Financial Acumen: You are analytical, detail-oriented and have experience with financial statements. Strong financial modelling, P&L management, and forecasting skills are a plus.
• Commercial Mindset: You are commercially minded, able to put complex numbers into clear business perspectives, and drive action from insights.
• Data & Process Automation: You delight in automating processes through code and AI, and in building clean queries and robust data pipelines.
• Adaptability & Execution: You thrive in a dynamic, changing environment, and are able to navigate through ambiguity and uncertainty.
• Collaboration: You have great communication skills and are a reliable team player.

🙌 What’s in it for you

💰 £70,600 - £83,000 + incentive awards tied to your performance

📍This is a hybrid role with occasional working from our London office. We're also open to distributed working within the UK

⏰ 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 Recruiter
• Initial Call with Hiring Manager (30 mins)
• Technical Interview with FP&A and Finance Data (45 mins)
• Monzo Behavioural Interview (30 mins)

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

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 #LI-Remote

Senior Financial Control Analyst

📍London/Cardiff | 💰£60,000 - £65,000 + Incentive Awards tied to your performance + Benefits

⭐ Our Financial Control Team:

Monzo is growing fast - new products, new markets and new locations. As we expand we need to make sure we can support our businesses and control our processes, so we are growing our team to meet these exciting new challenges!

Our team sits within Monzo’s Finance collective and our job is getting the numbers right. We’re currently a team of seven qualified accountants, split between our Cardiff and London offices, and we ensure the ledger’s correct at every month-end. We work closely with all areas of Finance and the product teams to make that happen.

🔑 You’ll play a key role by… 

We're looking for a proactive, enthusiastic and commercially-minded accountant to work on our financial accounting, and help us build a world-class finance function. This role would be well suited to a qualified accountant with 2+ years of post-qualification experience.

We have some really exciting challenges under way like making sure we maximise our new SAP S4/HANA general ledger, expanding into the European Union, pushing forward with our automation plans, continuing to grow our customer base, growing our lending business and adding to our marketplace. You’ll work on scaling Monzo in a controlled way, while helping us optimise our financial control processes with the help of technology. You’ll report to our Financial Control Manager.

Your day-to-day:

• Help embed our software capitalisation process working closely with our engineering and business teams to create an automated and scalable solution.
• Take on the role of product owner for the financial reporting processes of software capitalisation, operating key controls across month end close and performing impairment assessments.
• Use your strong technical knowledge of relevant IFRS standards for capitalisation and impairment to support and challenge the business on areas of judgement and documentary evidence.
• Manage a tight process with the rest of our internal Finance team to ensure a swift month-end close process and group consolidation.
• Understand the business and our products to write insightful management commentary.
• Understand our accounting systems and make sure we are taking advantage of all features we can to minimise manual elements of reporting.
• Learn SQL skills to run reports and propose solutions that make our processes efficient and scalable.
• Support our year end process working with external auditors and our Financial Reporting squad.
• Help review new products, assessing the accounting and implementing them in our banking platform and accounting system
• Work with the business to assess the impact of changes in accounting standards and make proposals on accounting policy matters for new products launched
• Help maintain the integrity of our chart of accounts and financial static data
• Resolve miscellaneous inquiries and support the overall finance team wherever needed - from forecasting and valuations, to bank transfers, transfer pricing and tax policy research!

🤩 We’d love to hear from you if…

• You’re a qualified accountant with a few years’ post-qualification experience, ideally in financial reporting/controlling teams and working in a retail banking environment
• You have a strong understanding of technical accounting standards
• You have a great eye for detail
• You’re fascinated by the banking and regulatory landscape, and have a good understanding of key financial controls
• You’re a self-starter and enjoy tackling what needs doing, whether it’s making a bank transfer or pulling together reports for investors
• You’re comfortable translating complex information into simple words for people with diverse backgrounds
• You’re interested in using data (SQL skills would be a bonus)
• You thrive in a dynamic and constantly evolving environment
• What we’re doing at Monzo excites you!

🙌 What’s in it for you

💰£60,000 - £65,000 ➕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

• Recruiter Screening Conversation 
• 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.

📍London - Hybrid | 💰£125,000 - £145,000 + equity + Incentive Awards tied to your performance + Benefits  ✨

Our Payments team⭐

Payments is at the heart of Monzo. It’s how our customers move, receive, spend and manage their money, from cards and bank transfers to cross-border payments, merchant acquiring, payment experiences in the app, and the platform infrastructure that underpins the whole bank.

This role sits in our Payments Platform area, working most closely with our Finance Infrastructure squad. The squad sits in Payments, but partners deeply with Finance teams to build the systems, abstractions and capabilities Monzo needs to operate safely, scale efficiently, and expand into new markets. You’ll work on foundational financial infrastructure: the ledgers, data, controls, reporting, reconciliation and platform capabilities that help Monzo understand, account for and manage money across the bank.

This is a role for someone who gets genuinely excited by complex, technical infrastructure. The work is often behind the scenes, but it’s business-critical: it helps Monzo scale, launch new products and markets, support Finance, and keep the bank running safely.

🔑You’ll play a key role by...

• Defining the product strategy and roadmap for Finance Infrastructure within Payments Platform.
• Partnering closely with Engineering, Finance and Payments leaders to understand what Monzo needs from its financial systems today and as we scale.
• Moving the team from reactive delivery towards a more strategic, product-led approach, asking why we’re building things, what good looks like, and how today’s choices support Monzo’s long-term needs.
• Translating complex finance, accounting, operational and regulatory needs into scalable platform capabilities.
• Prioritising across competing stakeholder needs, balancing urgent delivery with long-term system health.
• Helping Monzo build financial infrastructure that can support multiple products, entities, countries, currencies and regulatory environments.
• Building trusted relationships with senior stakeholders across Finance, Engineering, Product and Operations.
• Bringing strong product discipline, technical curiosity and systems thinking to a space that is critical to Monzo’s future growth.

🤩 We’d love to hear from you if…

• You’re a strong senior Product Manager with experience owning complex technical, platform, infrastructure or financial systems.
• You have enough technical depth to partner credibly with engineers and reason about systems, trade-offs, dependencies and long-term architecture.
• You’re excited by “boring but critical” infrastructure, things like ledgers, reconciliation, financial data, controls, reporting, internal platforms, abstractions or backend systems.
• You can work with senior and cross-functional stakeholders, including Finance, Engineering, Product and operational teams.
• You’re comfortable bringing product thinking into ambiguous or stakeholder-heavy environments, and moving teams from request-led delivery towards long-term strategy.
• You’re high-agency, ambitious and excited to stretch yourself in a team with a high bar.
• You care about customers and business outcomes, even when the work is several layers removed from the end customer experience.
  
  

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

💰 £125,000 - £145,000 ➕ Incentive Awards tied to your performance ➕ equity

✈️ We’ll help you relocate to the UK.

✅ We can sponsor your visa. 

📍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 3 key steps

• First stage - Meet with our Collective Product Director
• Second stage - Meet with our Engineering and Finance leadership
• Third stage - Product full loop

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. 

If you’d prefer to work part-time, please let us know and we'll make this happen if we can.

#LI-HR1

📍Remote UK | 💰£40,400 - £51,050 (12 Month Fixed Term Contract)  + Benefits ✨

⭐ Our Workforce Management (WFM) team

This is an excellent opportunity to step into a key Senior Service Analyst role on a 12-month fixed-term contract. You'll report to the WFM Service Manager and play a vital role in using data-driven insights to perfectly staff our customer operations and service teams.

You will be a strong individual contributor, taking ownership of problems and leading on the design and implementation of solutions from start to finish. We are looking for someone with strong data skills to perform in-depth analysis, automate processes, and create independent Management Information (MI) and dashboards to support operations. You will help us comfortably navigate challenging trade-offs to achieve our goals while giving our customers the best experience possible.

🔑 You'll play a key role in:

• Executive Communication & Reporting: You will compile data-driven reports that provide key insights and actions for senior stakeholders, including weekly reporting, Monthly Business Reviews (MBRs), Ops Monitoring, and Domain Weekly Business Reviews (WBRs).
• Data Pipeline & Dashboard Creation: Independently creating fully functional Looker dashboards and developing standalone MI to support the operations teams.
• In-depth Analysis & Automation: Performing confident root-cause analysis by filtering, merging, and amending complex data across Looker, Anaplan, Airtable, and Google Sheets. You will write efficient SQL code and facilitate automation wherever possible to improve efficiency.
• Dynamic Burndown Plans: Creating dynamic burndown plans to accurately predict return-to-service dates and forecast when service situations will be fully resolved.
• Incident Management & Rota: Taking responsibility for managing cross-domain incidents using data-driven and dynamic solutions. You will be on call for incidents as part of a Monday to Friday rota. You may occasionally be asked to work a weekend to support very specific projects, but this is not part of your standard working pattern.
• Service Deep Dives & Routing: Conducting deep dives to identify gaps between supply and demand, managing task views and routing, and ensuring the right work goes to the right person at the right time.
• Global Ops Alignment: Working closely with our global ops functions to ensure performance expectations are met and assessing the service impact of proposed changes across various domains.
  
  

🤩 We'd love to hear from you if:

• You have demonstrable experience in service delivery, optimisation, and workforce management within a fast-paced, high-growth environment.
• You are highly capable of managing a project's entire lifecycle with little oversight, taking accountability for driving solutions and leading implementation.
• You possess an advanced ability to use Looker and Google Sheets for deep data storytelling and presenting clear findings via Google Slides and Documentsx.
• You have experience handling incidents, creating actionable plans, and thinking of dynamic, data-driven solutions.
• You are comfortable with critical conversations, communicating effectively to a wide range of stakeholders, and coaching those around you to elevate team performance.
• You have a great understanding of task views, task types, routing, scheduled activities, and workforce optimisation principles.
  
  

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

💰£40,400 - £51,050 (12-Month Fixed Term Contract).
📍This role can be based remotely anywhere in the UK, or our London or Cardiff office.
⏰ You will be on call for incidents as part of a Monday to Friday rota. You may occasionally be asked to work a weekend to support very specific projects, but this is not part of your standard working pattern.
🏡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.
📚£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

• Application Questions
• Call with a Recruiter
• Task
• Interview (Role-specific and values combined) and Present Back Task

Our average process takes around 4 weeks but we'll always work around your availability. You'll 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 debbieroscoe@monzo.com.

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

Closing date for this role is the 1st September at 8am.

#LI-REMOTE #LI-DR

📍London or Remote (UK)|  | 💰 £42,500 - £50,000 ➕ incentive awards tied to your performance | Benefits | Hear from the team

⭐ Our Finance & Anaplan Centre of Excellence Team

As an Anaplan Support Analyst, you will play a pivotal role in driving the success of our Anaplan platform and supporting our broader Centre of Excellence (CoE). Working directly alongside our Lead Solutions Architect, Model Builders, and the FP&A team, you will act as the key engine powering daily operations—managing change requests, facilitating user training, and getting hands-on with model building activities to enhance our financial planning ecosystem.

🔑 You’ll play a key role by…

• Implementing Change Requests: Managing, triaging, and delivering end-to-end Change Requests across our Anaplan models to ensure seamless business operations.
• Supporting Model Building: Collaborating closely with Lead Solutions Architect and Model Builders to assist in building, testing, and implementing new functionalities and enhancements.
• Providing Training & Supporting End Users: Designing and delivering engaging training sessions and documentation to upskill end-users across FP&A and Finance Business Partner teams.
• Maintaining & Optimising Models: Maintaining data integrity, managing user access, monitoring model performance, and troubleshooting issues as they arise.

🤩 We’d love to hear from you if you have…

• Anaplan Expertise: Hands-on experience supporting and maintaining Anaplan workspaces/models (Anaplan Level 2 Model Builder certification or equivalent is highly desirable).
• Managed Change Requests & Supported Systems: Proven track record handling Change Requests, user support tickets, and system enhancements in a CoE or support structure.
• Model Building Skills: Functional understanding of Anaplan model architecture and formula building, with the ability to assist in active model development.
• Experience Training Users: Strong communication and facilitation skills, with a passion for training and empowering non-technical users on Anaplan functionality.
• An Understanding of Finance: Solid foundational understanding of financial modelling, FP&A principles, or finance workflows.
• AI Tooling: Familiarity with AI tools, including the ability to write effective prompts. You should demonstrate curiosity for how AI can be used to improve processes and solve problems more effectively.
• Domain Experience: Banking or financial services experience is a bonus, but not essential! We will consider candidates from non-financial industries

🙌 What’s in it for you

💰 £42,500 - £50,000 + incentive awards tied to your performance

📍 We're open to distributed working within the UK, with the expectation of working from the London office on occasional basis.

⏰ 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

• Phone call with Recruiter (30 mins)
• Technical video interview with Hiring Manager and FP&A Lead (60 mins)
• Partnerships interview FP&A team (30 mins)

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

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 #LI-Remote

📍London (UK) | 💰 £75,000-£95,000 + Incentive Awards tied to your performance + benefits

About the Role

We’re looking for a Senior Pricing Analyst in Savings to drive and continuously improve the performance of Monzo’s savings products. This role sits at the intersection of commercial strategy, data analysis, modelling, and product growth.

You’ll be responsible for understanding how our savings rates perform in the market, why, and what we should do about it—from pricing optimisation to deposit forecasting. You will collaborate closely with Finance, Treasury, Data Science, and Product squads to develop market and deposit insights and analysis, and turn them into actionable decisions that drive sustainable growth.

This is a highly visible, hands-on role with a direct impact on our deposit volumes, margin, and competitiveness in the UK market.

🔑 You’ll play a key role by:

• Monitoring portfolio performance: Tracking the health of our live savings products against commercial targets, identifying performance trends, and digging into the data to diagnose the drivers behind deposit movements.
• Driving volume and margin trade-offs: Analysing pricing elasticity, acquisition, and retention data to model trade-offs and optimise growth vs. profitability.
• Contributing to savings strategy: Sizing and modelling the commercial impact of strategic initiatives to help evaluate and recommend future decisions, while collaborating with Finance during planning cycles.
• Cross-functional alignment: Partnering with Treasury, Finance, and Product Squads to provide analytical clarity on pricing decisions and balance sheet impacts across Monzo.
• Developing pricing analytics: Building, maintaining, and improving our core pricing datasets and Looker dashboards.
• Leading competitor & macro analysis: Maintaining a view of the UK macroeconomic landscape, Bank of England rate changes, and competitor movements to recommend agile, market-leading pricing shifts.

🤩 We’d love to hear from you if:

• You have pricing, portfolio management or commercial product management experience within UK retail banking, fintech, or a highly fast-paced consumer finance environment.
• You are highly analytical and hands-on with data, comfortable using data to understand customer behaviour and drive commercial decisions.
• You have experience working with Data Analysis or visualisation tools (e.g., Looker, SQL, Python, Jupyter) to deliver valuable insights.
• You are comfortable working in complex, ambiguous spaces and can translate intricate financial data into clear, compelling narratives for stakeholders.
• You thrive in a product-led, digital-first environment where things move quickly.

💰 What’s in it for you

💰 Salary is £75,000 - £95,000 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 (Hybrid) | 💰£60,000 - £64,000 (based on experience level) + Incentive Awards tied to your performance + Benefits  ✨

At Monzo, our Executive Assistants are much more than traditional administrative support - they are the glue holding everything together!

Due to internal moves, and a growing team, we have two roles available within the Technology area of Monzo.

• Role one: Supporting our CTO, Matej Pfajfar and VP of Product Engineering, Steve Martin.
• Role two: Supporting our VP of Platform Engineering, Tom Leitch and incoming General Manager of Fincrime. 

🔴 Both roles will work closely with Engineering and the Technology areas of Monzo, and you will partner with a team of EAs already in Tech, and across Monzo. For these two roles we are only considering candidates working, or who have worked, within Engineering or wider Technology teams and Leaders and who are looking for their next career move. 

We see our EAs as strategic business partners to senior leaders, helping them and their teams operate at their best. You'll be deeply embedded within leadership teams, driving organisational effectiveness, improving communication and helping leaders navigate the complexity that comes with scaling one of the UK's most ambitious Fintechs.

This is a role for someone who thrives in fast paced environments, enjoys solving problems, loves bringing order to ambiguity and is excited by the opportunity to have a genuine impact on how teams and leaders operate.

‼️ Please note - This is not an entry level role. We are only able to consider candidates with previous Executive Assistant experience supporting senior leaders in Technology and Engineering teams. Our EAs operate as strategic business partners in a fast paced, high growth environment, so we're looking for someone who can hit the ground running from day one.

🔑 You'll play a key role by...

Acting as a strategic partner to your leader:
You'll develop a deep understanding of your leaders' priorities, challenges and goals, helping them stay focused on the work that matters most. You'll anticipate needs, identify opportunities to improve effectiveness, challenge where appropriate and act as a trusted extension of the leaders you support.

Driving organisational effectiveness:
You'll drive leadership team effectiveness by creating structure, improving communication flows, driving accountability and ensuring important initiatives continue to move forward. You'll be comfortable navigating ambiguity and helping others do the same.

Managing time, priorities and focus:
You'll own complex calendars and competing priorities, ensuring your leaders spend their time where they can have the greatest impact. You'll proactively challenge, prioritise, make informed trade offs and make recommendations based on a strong understanding of business context.

Building strong relationships across Monzo:

You'll build trusted relationships across the business and become a key point of connection between teams and stakeholders. You'll influence without formal authority to create alignment, remove blockers and ensure information flows effectively.

Leading projects and initiatives:

From leadership off-sites and engagement initiatives to process improvements and cross functional projects, you'll lead initiatives from concept through to delivery, ensuring momentum is maintained despite competing priorities and creating positive outcomes for Monzo and our customers.

Enabling decision making:

You'll help leaders prepare for important meetings, decisions and conversations by ensuring they have the right information, context and insights at the right time.

Operating with judgement and discretion. You'll regularly handle sensitive information and support leaders working in a highly regulated environment. You'll exercise sound judgement, maintain confidentiality and proactively identify potential risks or issues before they arise.

Contributing beyond your immediate role:

You'll be part of a collaborative Executive Assistant team that is constantly looking for ways to improve how we work. Whether that's sharing best practices, mentoring others, exploring new technology or helping evolve the EA function, you'll have opportunities to make an impact beyond your immediate support responsibilities.

🤩 We'd love to hear from you if…

• 🔴 You have experience working as an Executive Assistant for Engineering, or Technology Leaders in a fast paced environment, and can operate as a strategic partner from day one.
  You have significant experience supporting senior leaders in a fast paced environment.
• You thrive in ambiguity and are comfortable making decisions, solving problems and navigating competing priorities.
• You operate as a trusted partner to leaders, not just an administrator.
• You have excellent judgement, strong communication skills and exceptional attention to detail.
• You build strong relationships and influence effectively across all levels of an organisation.
• You're experienced using Slack, (G Suite), AI and other modern workplace tools, and are comfortable leveraging technology to work efficiently.
• Experience in scale up or similarly fast moving environments is highly desirable.
• You can commit to 2 - 3 days a week in our London office (Shoreditch)

✨ What success looks like in this role:

• Leaders are able to focus on the highest impact work.
• Leadership teams are aligned, engaged and operating effectively.
• Risks, conflicts and challenges are identified early and addressed proactively.
• Teams have clear communication, accountability and momentum.
• Important initiatives continue to move forward despite competing priorities.
• Your leaders see you as a trusted partner who helps them and their teams perform at their best

ℹ️ The application journey has 4 key steps

• Short Video call with a Monzo Recruiter
• 30 minutes ‘Role Specific’ Interview 
• Behavioural Interview
• 30 minute ‘Chemistry Call’ with the relevant Leader

🙌 What's in it for you

💰 £60,000 - £64,000 base salary ➕ Incentive Awards tied to your performance ➕ Benefits 
📍This role is based in our London office in Shoreditch (very close to Liverpool Street Station)
⏰ 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
♥️ A collaborative and highly supportive EA team
💪The chance to have a genuine impact on how Monzo operates and grows
🌱Opportunity to work alongside some of the most senior leaders at Monzo We are unable to sponsor visas for these roles. Only applicants with Right to Work int he UK will be considered 🙏

⏳ Applications close at 6pm on 3rd September
ℹ️ Please Note: We are unable to sponsor visas for these roles. Only applicants with Right to Work in the UK will be considered 🙏

 #CM-1

📍London | 💰£43,000 - £58,000 | Benefits  ✨ | 12 Month Fixed-Term Contract

Our Business Banking team ⭐

Monzo Business is on a mission to make banking effortless for small businesses. We help people start, run and grow their businesses with simple, transparent banking and tools that reduce financial admin, so they can spend more time focusing on what matters most.

We're launching Monzo Business in Spain, initially focusing on sole traders and simple micro-businesses. While many customers will use a self-serve journey, we know there are moments where speaking to a real person can make all the difference.

As our Sales Support Specialist, you'll be based in London as part of our UK Sales team, working closely with Spain Go-To-Market, Growth Product, Customer Operations, Risk and Compliance. You'll combine hands-on sales with experimentation and customer insight — helping high-intent customers move forward while shaping the playbook for how Sales can best support our growth in Spain.

This isn't a traditional role focused solely on outbound sales or short-term conversion. You'll have the opportunity to test, learn and influence how we build a safe, effective and scalable sales motion for Spain from the ground up.

🔑 You’ll play a key role by...

• Supporting and converting high-intent Spanish-speaking prospective customers through phone and email, using consultative sales skills to understand their business, needs and questions.
• Working across assisted-conversion journeys such as waitlist conversion, lead follow-up, product education and application recovery.
• Explaining Monzo Business's proposition, product capabilities and application process clearly, helping customers understand their next step without providing financial, tax, legal or regulatory advice.
• Qualifying and prioritising opportunities, handling objections and following up consistently to help customers progress through their journey.
• Helping run GTM and conversion experiments, capturing customer outcomes and working with Spain GTM and Growth Product to understand what's working and what we should change.
• Turning customer conversations into actionable insight by identifying recurring questions, objections, unmet needs and journey friction.
• Helping shape our Spain sales playbook, including messaging, qualification, objection handling, scripts and customer journeys.
• Maintaining accurate customer records and working closely with Customer Operations, Risk and Compliance to ensure customers receive the right support and escalations when needed.

🤩 We’d love to hear from you if…

• You're fluent in Spanish and English, with excellent written and verbal communication skills and a strong understanding of Spanish culture, customer expectations and communication styles.
• You have hands-on sales experience, ideally as an Account Executive, Sales Development Representative or Business Development Representative, and are comfortable qualifying opportunities, handling objections and following up with customers.
• You have experience selling to or supporting small businesses, ideally within financial services, SaaS or another complex service environment.
• You're a consultative communicator who listens carefully, asks thoughtful questions and can explain complex topics simply while building trust with customers.
• You're excited by experimentation and comfortable working in an early-stage, fast-changing environment where you'll help shape processes and playbooks as well as follow them.
• You're highly organised, comfortable working with CRM tools or structured customer data, and bring strong judgement, integrity and customer care to every interaction.
• You enjoy working cross-functionally and can turn what you're hearing from customers into useful insights for teams such as Product, GTM, Marketing, Operations, Risk and Compliance.

Bonus points if you have experience with:

• Selling to or supporting Spanish sole traders, micro-businesses or SMEs.
• Banking, payments or another regulated industry.
• Salesforce or a similar CRM platform.
• Spanish company formation or small-business financial administration.
• Customer research, voice-of-customer programmes, sales enablement or GTM experimentation.

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

💰 £43,000 - £58,000 

📍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.

🏡 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

• 20 min recruiter call
• 30 min call with the Hiring Manager
• Take home task and in person task review
• 45 min behavioural interview

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

📍London or UK Remote | 💰 £150,000 - £200, 000 + Equity + Benefits 

About our Data Discipline 

We have a strong culture of data-driven decision making across the whole company. Data is central to how we understand our customers, shape our products, manage risk and grow Monzo sustainably. We believe in empowering teams with high-quality, trusted data and self-serve analytics, while creating space for Data practitioners to focus on the highest-impact questions, opportunities and decisions.

Our Data discipline is centralised, but deeply embedded in Monzo’s product areas. Data Scientists, Analytics Engineers, Machine Learning Engineers and Analysts work in cross-functional squads alongside Engineers, Designers, Product Managers, Marketers and other specialists. This means Data is not a downstream service: we help shape strategy, challenge thinking, build the data foundations teams need to move quickly, and share accountability for customer and commercial outcomes.

Our Payments team ⭐

At Monzo, payments are more than just moving money from A to B. They are a core part of how customers experience trust, speed, and financial control every day. As a Data Director in Payments, you would help shape seamless local payment experiences, ensuring customers can pay and get paid reliably while continuing to modernise the infrastructure that powers millions of transactions behind the scenes.

The role also sits at the intersection of Monzo’s broader ambition to build truly borderless banking and expand into new markets. That means designing products and payment capabilities that work effortlessly across geographies, currencies, and customer needs, while helping Monzo scale into new markets with the same simplicity and transparency that defines the brand today.

You’ll partner closely with Product, Engineering, and Design to help shape Monzo’s payments strategy to make Monzo's global ambitions a reality, enabling revenue and customer growth with a resilient, self-serve banking platform. 

To succeed, you should be excited about solving tough, ambiguous business problems with analytical rigour, commercial viability and execution effectiveness

Your day-to-day 

• Establish yourself as a trusted member of the Payments Leadership team, enabling better decisions across Payments and the wider Data Discipline
• Co-drive Payments strategy and product decisions with Product and Engineering, bringing Data into discovery early to shape priorities and challenge thinking
• Identify untapped opportunities for commercial optimisation, including across pricing, commercialisation, investment and customer growth
• Set the data strategy for Payments, including the operating model, team priorities, architecture, technical debt and key metrics and drivers
• Translate between technical, product and commercial perspectives to help teams make clear, high-impact decisions
• Develop and scale a high-performing team of data professionals sharing accountability for product and business outcomes.

You should apply if:

What we’re doing here at Monzo excites you!

• You have experience driving payments innovation and product strategy forward in a fast-growing business
• You combine deep Data expertise with strong product and commercial judgement. 
• You can move comfortably from detailed metrics or architecture discussions to customer strategy, pricing and business outcomes
• You are an empathetic people leader who can build trust quickly, raise the performance bar and retain excellent talent
• You have experience growing and leading a full stack data team, including individual contributors and managers across Data Science, Analytics Engineering, Machine Learning Engineering and Analytics
• You have experience collaborating with senior cross-functional stakeholders across Product, Engineering, Design, Marketing and risk/control functions

The Interview Process

After an informal ~30 min recruiter call, our interview process involves 2 main stages. We promise not to ask you any brain teasers or trick questions!

1. Initial Call (1 hour) You'll meet with one of our senior data leaders.
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 behavioural and leadership interviews. You can have this all in one day or split these across multiple days, whichever your prefer.

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

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 £150, 000 - £200, 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

#LI-AL1 #LI-REMOTE

📍London/UK Remote | 💰£68,000 - £92,000 (Dependent On Experience) + Incentive Awards tied to your performance + Benefits  ✨

About the role
We are looking for a CRM Manager to help us launch, build and grow CRM across the EU. This is a foundational role: you'll be responsible for establishing CRM from the ground up across different EU regions, defining how we communicate with customers across their entire lifecycle, and building the processes and infrastructure that will underpin long-term engagement and retention across EU markets as we grow.

The ideal candidate is a native or fluent Spanish/Italian speaker with a strong track record in CRM execution across multiple channels and markets.

You'll be comfortable with ambiguity, energised by the challenge of building something new, and skilled at turning early signals into structured, always-on programmes that drive sustainable growth  - with the flexibility to extend your remit across other EU markets as Monzo's international footprint expands.

⭐ Our CRM team

We are a fast growing team on a mission to make money work for everyone. We’re responsible for designing high-impact communications across our products and the customer lifecycle to bring our Monzo magic to life.

We’re a hands on and highly collaborative team, working with lots of different folks across Monzo to drive innovation and automation of our messaging. We’re driven by data and excited by experimentation. There’s a huge opportunity for a proactive and passionate CRM Manager to shape the future of our engagement strategy and programmes at Monzo.

🔑 You’ll play a key role by…

• Establishing CRM in the EU  - defining and building the foundational communication framework for the market, from onboarding and activation through to long-term retention and engagement, with an eye on scalability across other EU markets
• Owning always-on communications  - being the overseer and executor of BAU campaigns across email, push notifications and in-app, ensuring consistency, quality and relevance for EU customers
• Executing customer lifecycle CRM journeys across multiple touchpoints, identifying the key moments in a customer's journey where CRM can drive the greatest impact
• Identifying required data points and events needed to launch brand new CRM journeys tailored to EU markets
• Leading CRM for the EU  - acting as the subject matter expert across all product areas and serving as the primary CRM point of contact for EU-based and cross-functional stakeholders
• Translating data insights into actionable opportunities, using performance signals to optimise existing campaigns and prioritise what to build next
• Collaborating with country and central stakeholders across product, data, engineering, legal, compliance and the wider marketing team to ensure campaigns are compliant, well-targeted and commercially aligned
• Building and documenting processes  - creating scalable ways of working between the EU CRM function and central teams, ensuring high-quality documentation that supports knowledge sharing and consistency across markets
• Developing segmentation strategies in collaboration with CRM Managers and data analysts to reach the right audiences with the right message at the right time
• Monitoring campaign performance rigorously, ensuring campaigns are executed safely and in line with regulatory requirements across EU markets
• Owning Campaign QA  - acting as a second pair of eyes on campaign set-up before launch, maintaining a high bar for accuracy and customer experience
• Delivering campaigns with a test and learn approach, generating hypotheses, running experiments and iterating based on results

🤩 We’d love to hear from you if you …

• Are a native or fluent Spanish or Italian language speaker - you're confident communicating with customers, local stakeholders and regulatory bodies across EU markets
• Have hands-on experience launching CRM in a new market or region, ideally from scratch  - you know what good foundations look like and how to build them quickly
• Have hands-on experience taking a campaign from signal to roll-out — scoping, planning, approval, build, test, analysis and iteration
• Have a proven track record in CRM, with experience designing and implementing successful campaigns and automated journeys across email, push and in-app
• Have experience using a CRM platform for delivery (Braze experience preferred)
• Have Fintech or Financial Services experience, with an understanding of the compliance and regulatory considerations that come with it
• Have strong analytical skills - you can interpret data, generate hypotheses and use insights to inform strategic decisions (Looker experience is an advantage)
• Have experience working with product and country teams, ensuring CRM activity is aligned to local priorities and customer needs
• Have excellent organisational skills with the ability to manage multiple priorities, meet deadlines and maintain a keen eye for detail
• Take a collaborative approach  - you bring stakeholders along with you and are comfortable working across a matrix of central and local teams
• Have a problem-solving mindset  - you're resourceful, proactive and able to find the right path forward when the answer isn't obvious
• Are comfortable with ambiguity - you can make good decisions with incomplete information and move with pace in a fast-changing environment

🙌 What’s in it for you

💰£68,000 - £92,000 + 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.

🌈 The application journey has 3 key steps

• 30 minute chat with a Monzo Recruiter
• 30 minute call with the Hiring Manager
• Full Loop: 1 x Role Specific Interview (60 mins) + 1 x Behaviours Interview (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.

⏳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

#CM-1

📍London / Cardiff / UK Remote | 💰£70,600 - £83,000 + Incentive Awards tied to your performance + Benefits  ✨

Our Regulatory Reporting team⭐

We’re searching for an ambitious, innovative and caring professional to help inspire and develop our Regulatory Reporting team. 

Reporting into the Regulatory Reporting Policy Team Senior Manager, the role is primarily responsible for ensuring our horizon scanning and interpretation activities (e.g, PRA Rulebook, EU CRR) are correctly reflected in our capital, liquidity and financial returns, and monitoring our adherence to the applicable UK and European prudential rules on an ongoing basis. This includes identifying and defining any changes required to data and production quickly and safely.

Combining the learnings of some of the fastest growing tech companies in the world with your own unique approach, you will manage a high-energy, dynamic workstream to foster open, collaborative, and inclusive working, embrace change, and inspire continuous learning. You will help enable Monzo to scale into a world-class, diverse and passionate group of people capable of effecting change across the globe.

🔑You’ll play a key role by...:

• Proactively identifying and interpreting the rules, regulations and guidance applicable to the Regulatory Reporting team at Monzo, and ensuring ongoing compliance in the production of returns.  
• Developing, implementing, documenting  and maintaining the processes and controls required to maintain Monzo’s interpretations.
• Ensure that the processes and controls in place to produce returns are compliant with the applicable regulations in order to facilitate accurate, complete and timely reporting.   
• Working closely with our engineers and data scientists to ensure we source the correct data efficiency, accuracy and timelines consistently across the reporting suite. 
• Working with a range of internal stakeholders, including Treasury, Risk, Data and project teams, to navigate and agree on what can be complex or ambiguous regulations in order to achieve the safest outcome for Monzo. 
• Facilitate robust, appropriate governance over the identification and interpretation of the applicable regulations and the implementation of the rule in reporting outputs.
• Review all capital, liquidity and financial regulatory returns and any other returns the Regulatory Reporting team produces to ensure compliance with applicable regulations. 
• Instilling a culture of continuous improvement throughout and engaging effectively with relevant stakeholders to implement changes that lead to improvement. 
• Play a key role in the automation of Monzo’s regulatory reporting, specifically implementation, user acceptance testing and maintenance.   
• Ensuring that changes to processes that support regulatory reporting are implemented quickly and safely.  
• Developing, implementing and maintaining the governance and control framework required for regulatory reporting and expected by our Regulators. 
• Contribute towards our ambitious expansion plans including supporting the rest of Monzo and ensuring that the Regulatory Reporting team is always an enabler.

🤩 We’d love to hear from you if…

• You have experience understanding and operationalising a wide range of regulatory requirements and the associated reporting.
• You have experience in the large-scale implementation and testing of automated reporting solutions.  
• You are able to identify areas for improvement, propose dynamic solutions and implement these changes quickly and safely.  
• You have excellent planning, organisation and time-management skills and are able to manage people on this basis. 
• You can demonstrate a proven track record of excellent team leadership and coaching skills with the ability to provide empathy and guidance.
• You're excited to leverage technology to automate reporting and capital management with a track record of continuous process improvement.
• You have a great eye for detail and are numerically astute.
• You are self-motivated, ‘hands-on’ and take satisfaction in supporting colleagues, projects or tasks however big or small.
• Monzo excites you!

💰 £70,600 - 83,000 ➕ 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 recruiter (30 mins)
• Initial video call with hiring manager (30 mins)
• Role specific interview with Regulatory team (45 mins)
• Behavioural interview (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-NZ1 #LI-Remote

📍London | 💰£100,000 - £150,000 + Incentive Awards tied to your performance + Benefits ✨

Our Product team ⭐

We’re waving goodbye to the complicated and confusing ways of traditional banking. Over the last 10 years, Monzo has grown from a prepaid card into a much broader range of products, including personal and business bank accounts, joint accounts, accounts for 16 - 17 year olds, a free kids account and credit cards - with plenty more to come.

Product is at the heart of Monzo’s long-term success and our ambition to change people’s relationship with money. Working closely with Engineering, Design, Research, Data and teams across the business, our Product team sets Monzo’s product vision and strategy and drives its execution.

We’re a scaling team with lots to accomplish and some big questions to answer. As Chief of Staff to our Chief Product Officer, you’ll work closely with our CPO and Product Leadership Team, helping shape our product vision and strategy, seed new initiatives and build effective ways of working that help our Product organisation thrive.

🔑 You’ll play a key role by...

• Helping formulate and drive key projects for our Chief Product Officer, from structuring our product roadmap and setting organisational goals to evolving our product strategy.
• Leading strategic and ad-hoc projects for the CPO and Product Leadership Team, including initiatives that improve how effectively and quickly our teams can deliver.
• Staying close to our performance data, understanding the underlying drivers and creating a regular cadence for reporting, including coordinating our monthly business reviews.
• Collaborating across Monzo to unblock complex challenges around priorities, dependencies and headcount, and helping teams make better decisions when there are competing priorities and stakeholders.
• Conceiving, executing and supporting initiatives across Product team engagement, performance management and discipline progression.
• Making sure our CPO is brilliantly prepared for key meetings and interactions with regulators, investors, journalists, Board members and employee forums.
• Preparing and sharing major communications, and at times representing the CPO in key forums across Monzo.

🤩 We’d love to hear from you if…

• You’re comfortable operating with a high degree of autonomy and ambiguity, and you’re great at turning complexity into clarity.
• You’re an excellent project manager who can move comfortably between strategic priorities and tactical execution, keeping the important details on track.
• You’re highly analytical and quantitative, comfortable working with spreadsheets, Looker or similar tools, and use data to inform decisions wherever possible.
• You’re brilliant at collaboration and stakeholder management. You can thoughtfully challenge others, build alignment and act as a bridge between Product, Engineering, Design, Data and senior leadership.
• You have experience in Product, a high-growth company or the technology sector, and you’re excited by the challenges that come with scaling a Product organisation.
• You’re a curious, proactive problem solver and excellent communicator who enjoys context switching, takes initiative and knows how to focus yourself and others on the highest-leverage work.

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

💰 £100,000 - £150,000 ➕ Incentive Awards tied to your performance.

📍 This role is based in our London office and will require you to be in the 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.

📚 £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.

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

🌈 The application journey has 4 key steps

• Recruiter Call (30 mins) – Once you apply, if your application is aligned, one of our Hiring team will reach out for an introductory conversation.
• Initial Chat (30 mins)
• Chat with our CPO, Andy (30 mins) – A conversation with our CPO to learn more about your experience and how you’d approach the role.
• Experience Loop (~2.5 hours) – This stage consists of three separate interviews that usually happen across 1–3 days: a Case Study, Leadership and Values interview, and a practical task (with no take-home preparation). If you reach this stage, your Recruiter will have a 15-minute chat with you beforehand to help you prepare.

This process should take around 4–6 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 (Hybrid) / UK Remote | 💰 £90,000 - £120,000 + Incentive Awards tied to your performance + Benefits

⭐Our Design team

We’re a team of 115+ designers, researchers, and brand experts led by Chief Design Officer Vuokko Aro. We’re on a mission to make money work for everyone. Product Design makes up almost half of our design disciplines, working in tight-knit squads alongside research, product, and engineering to solve real customer problems at scale.

We design for the "magic moments"

We’ve built a bank that feels human, not just functional. Our product is our personality. We blend research, empathy, and craft to turn everyday interactions into memorable experiences.

Right now, we’re growing fast and looking for passionate designers to shape Monzo’s future and there’s a huge opportunity to make your mark.

Applying to this role, you’ll be in a standard hiring process for a Lead Product Designer, and we’ll find the perfect team for you along the way. 

🔑You’ll play a key role by...

• Tackling the most complex and ambiguous design challenges, turning complexity into elegant, scalable solutions that empower teams and improve the customer experience.
• Defining and delivering large-scale projects that connect initiatives across the business, using design methods to align strategies and drive impactful outcomes.
• Leading the creation of compelling product visions, principles, and direction that inspire teams to build toward a shared future.
• Using AI to level-up parts of your design workflow. Whether that’s ideation, analysis, prototyping or shipping production code to our app.
• Raising the bar for visual execution, considering motion, interaction, and mental model clarity to deliver delightful and practical solutions.
• Positively influencing our design system, tooling, and processes to improve how we create design at scale.
• Driving improvements across the business by connecting your work to wider goals and leveraging cross-functional collaboration.
• Acting as a role model in Design, sharing your work broadly, mentoring others, and contributing to the growth and success of the Design team.

🤩 We’d love to hear from you if…

• You have a proven track record of delivering impactful, customer-centric native-app designs that solve complex problems and drive commercial outcomes.
• You’re skilled at leading research, defining product visions, and aligning teams around a shared strategy.
• You excel at creating modular, scalable solutions and have a strong grasp of how to use design artefacts to communicate insights effectively.
• You’re a natural collaborator who can navigate multi-squad projects, align leadership, and drive clarity in ambiguous situations.
• You’re passionate about improving design systems, processes, and ways of working to help teams deliver better outcomes at scale.
• You’re a role model who actively contributes to the growth of the Design team through hiring, mentoring, and fostering a positive culture.
• You’re excited about Monzo’s mission to make money work for everyone and are ready to make a significant impact on our customers and business.

🙌What’s in it for you

💰 £90,000 - £120,000 + 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!

🌈 The application journey has 3 key steps

• 30-minute call with our Recruiter
• 1-hour craft interview where you’ll present a single case study to 2 members of our Design team
• 2 x 45-minute interviews covering Teamwork and Impact

This process should take around 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-TR1

#LI-Remote

📍London/Cardiff/UK Remote | 💰£113,200 - £145,200 + 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 or Remote (UK)  | 💰 £125,400 - £169,600 + Incentive Awards tied to your performance +  Benefits

About us:

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. 

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

Hear from our UK team about what it's like working at Monzo ✨

About the team:

Our Borrowing (lending) business is growing rapidly across both our existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and we’re looking for driven, analytical and creative individuals to help us achieve this goal.

We’re great believers in powerful, real-time analytics and empowering the wider business. All our data lives in one place and is easy to use. Over 90% of day-to-day data-driven decisions are supported through self-serve analytics in Looker, giving analysts the headspace to focus on solving high-impact business problems.

Our Credit Platform squad builds the shared infrastructure that powers lending decisioning across Monzo. We develop the core credit valuation (NPV) infrastructure, decisioning capabilities and data foundations that enable our Product Credit teams to develop, evaluate and deploy lending strategies across products and markets. As we scale internationally, our platform is at the heart of delivering consistent, scalable credit capabilities globally. You'll lead a team of five Credit Analysts, shaping the evolution of our platform, pushing the boundaries to unlock the next generation of lending capabilities and drive efficiencies.

Join a team where your ideas can rapidly transform into reality, leveraging our cutting-edge technology and agile ways of working. Credit Platform is a cross-functional squad bringing together Credit, Product, Engineering and Data expertise to build shared capabilities that power Borrowing across Monzo. 

How you’ll contribute:

• Shape our Credit Platform: Define the roadmap for Monzo's Credit Platform, evolving the shared infrastructure that enables Product Credit teams to develop, evaluate and deploy lending strategies across our retail and business lending products in the UK and new global markets.

• Build Credit Valuation Infrastructure: Lead the evolution of the infrastructure that supports Monzo's credit valuation capabilities, including our NPV modelling framework, ensuring it is scalable, reliable and enables Product Credit teams to optimise lending economics.

• Lead and Develop a High-Performing Team: Hire, coach and develop a high-performing team of Credit Analysts, fostering a culture of technical excellence, ownership and continuous improvement while delivering platform capabilities with broad organisational impact.

• Partner Across Monzo: Work closely with Credit, Engineering, Product, Machine Learning, Data and Risk teams to build platform capabilities that accelerate experimentation, simplify strategy deployment and improve the speed and quality of credit decisioning.

• Influence Through Technical Leadership: Represent the Credit Platform across Monzo, translating complex technical concepts into clear recommendations for senior leaders and helping shape the future direction of our lending platform.

You should apply if:

What we’re doing here at Monzo excites you!

• You are a technical and strategic credit leader with extensive experience in unsecured lending.
• You understand lending economics inside out, with deep experience in NPV modelling and the infrastructure and frameworks that enable effective credit decisioning
• You are highly motivated by fast-paced environments, enjoy ambiguity, designing frameworks from scratch, and delivering meaningful change.
• You are an exceptional cross-functional leader who thrives when partnering with Engineering, Product, Risk, Machine Learning and Credit teams to deliver shared platform capabilities.
• You have a track record of leading and developing analytical talent, and you are excited by the prospect of leading a high-impact team.
• You have strong analytical and data capabilities backed up by technical coding skills (SQL is a must-have; Python and Looker experience is a plus).

The Interview Process:

Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions!

• Recruiter call 
• Initial call with the hiring manager 
• Final loop of interviews meeting key stakeholders

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:

✈️ 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

Equal Opportunity Statement

We are actively creating an equitable environment for every Monzonaut to thrive.

Diversity and inclusion are a priority for us and we are making sure we have lots of support for all of our people to grow at Monzo. At Monzo, embracing diversity in all of its forms and fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2021 Diversity and Inclusion Report and 2022 Gender Pay Gap Report.

We're an equal opportunity employer. All applicants will be considered for employment without attention to ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status or disability status.

#LI-COD #LI-REMOTE

📍London or Remote (UK)  | 💰 £59,100 to £79,900 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

Our team ⭐

Our Borrowing collective is growing across Personal Loans and Financial Health. We’re building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money.

Personal Loans provides simple, transparent borrowing, while Financial Health focuses on sustainable growth and better customer outcomes.

As part of the team, you’ll develop and optimise unsecured credit risk and pricing strategies, partnering closely with Product, Engineering, and Data to build profitable portfolios and outstanding customer experiences.

If you’re excited by data-led decision-making, experimentation, and shaping the future of modern lending, we’d love to hear from you.

🔑 You’ll play a key role by...

• Working on initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights
• Monitoring the performance of our existing strategies, and iterating to improve them
• Working alongside people from engineering, marketing, product, risk and control to design and deliver product changes
• Developing, maintaining and monitoring our credit models to assess net present value of new lending cohorts to drive strategic business decisions
• Building and maintaining the database tables and dashboards that provide insights and promote rapid, data-driven decisions
• Supporting the design and roll-out of new products and customer journeys
• Assessing how the lending portfolio of particular products will perform over time

How we work:

Our main tech hub is in London, but our data teams are based all over the UK — from Brighton to the Western Isles.

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! 💼

🤩 We’d love to hear from you if…

• You have experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.)
• You have an understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance
• You have an understanding of lending economics and have experience developing and deploying underwriting strategies
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus.
• You have a working understanding of the regulations that apply to lending in the UK.
• You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points
• You have some experience in project management and coordination across teams
• You work well collaborating in a team with diverse skill-sets and personality types
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo

We're on the look out for L30 Credit Analysts at the moment, you can read more in our Data Progression Framework

🌈 The application journey has 3 key steps

1. Recruiter call
2. Initial call
3. Final stage (x3 interviews) consisting of a case study, role specific interview and collaboration 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.

🙌 What’s in it for you

💰 £59,100 to £79,900 + incentive awards tied to your performance + benefits 

✅ 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

🏡 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-JH1  #LI-Remote

📍London or Remote (UK) | 💰£80,000 - £105,000 + Benefits |

About Business Banking at Monzo

Since its launch five years ago, Monzo Business Banking has been dedicated to delivering the very best of Monzo to small businesses. Today, it's an award-winning service, empowering over 1 million businesses across the UK. 

As Monzo expands across Europe, Business Banking is entering its next phase: adapting our products and proposition for small businesses in new markets, while continuing our mission to make money work for businesses.

The Role

We’re looking for several Senior PMMs to own Product Marketing for entire products and experiences. 

A useful distinction - at Monzo, Product Marketing starts upstream in product-market fit. We're embedded in squads with Product Managers, Data Scientists, Designers, User Researchers, and Sales, bringing the voice of the customer and market into what we build, how we position it, and how we take it to market. We own customer and market understanding, positioning, proposition, launch strategy, and sales enablement. We then partner closely with Integrated Marketing, who lead campaign strategy, creative direction, channel execution, and growth. Together, we build the right products and help them succeed in market.

This is a senior individual contributor role. You'll own Product Marketing for a product end-to-end: understanding customers, shaping product strategy, defining positioning, and helping bring launches to market.

Where you could join

• Business Banking EU. Business Banking is entering its next phase of growth as we expand beyond the UK. In this role, you'll define how Monzo Business Banking succeeds in new European markets - understanding local customer needs, building the proposition that translates our core product into local relevance, and working across Product, Growth, Marketing, and local teams to bring those products to market. This is a senior role for someone with high autonomy who loves turning dense customer and market insight into practical decisions about what should launch.
• Business Banking. Business Banking is growing quickly, serving more than one million businesses across the UK while expanding into increasingly sophisticated customer needs. In this role, you'll shape how our products are positioned, sold, and adopted—from defining compelling product narratives to enabling Sales and partnering with Growth and Marketing on launches. This is a role for someone who enjoys sitting at the intersection of Product and commercial teams, translating customer insight into positioning, propositions, and go-to-market strategies that help more businesses choose Monzo.

Key Responsibilities

• Set Product Marketing Strategy for a set of products. You'll define a one-year Product Marketing strategy for a major area of Business Banking, connecting customer insight, market opportunity, and commercial priorities into a clear direction for the product area, rather than one individual product, with measurable business outcomes.
• Develop differentiated positioning & messaging: You'll create compelling positioning, messaging, and value propositions that differentiate Monzo in the market and resonate with different customer segments. You'll build messaging frameworks that Product, Sales, Integrated Marketing, and broader marketing teams use consistently across launches and customer journeys.
• Drive competitive intelligence and market insights: You’ll build and maintain the market view for your product area. You'll become the recognised authority on your customer segment and competitive landscape, building a coherent view of the market from customer research, commercial data, competitor intelligence, and Sales insight. Your recommendations will shape product strategy, positioning, go-to-market, and commercial priorities across the Business Banking collective.
• Shape product strategy across markets. You'll partner closely with Product, Research, Design, and Data to identify customer problems, market opportunities, and competitive gaps that influence roadmap priorities. Your customer and market insight will shape what we build, not just how we bring it to market.
• Set the go-to-market strategy for priority products and markets. You'll define what audiences we prioritise, why they would choose Monzo, what needs to be true for them to switch and stay, and what success looks like - giving Product, Sales, Marketing, and local market teams a shared strategic direction for how the product enters or scales in market.
• Own product representation across the customer journey. You'll define the core proposition and value messages that should carry through key customer and sales touchpoints, so customers consistently understand why the product matters. You'll partner with teams across Product, Sales, Marketing, CRM, and local markets to make sure the customer experience reflects the agreed positioning.
• Enable localisation: You'll work with local market teams to determine what should remain globally consistent and what should adapt locally, ensuring positioning, customer journeys, and launches resonate in each market while strengthening the overall Monzo Business Banking proposition.

This is for you if:

• You're recognised for your Product Marketing expertise. You're comfortable owning Product Marketing across a product area or market, and people seek your perspective on customers, competitors, positioning, and product strategy.
• You bring senior stakeholders with you & thrive in cross-functional environments. You work effectively across Product, Sales, Growth, Marketing, and Research, building alignment around difficult decisions and helping teams make confident product and commercial choices.
• You raise the quality of the work around you. You enjoy mentoring less experienced PMMs, sharing your expertise, and improving how the team works through better frameworks, feedback, and knowledge sharing.

The Interview Process

Our interview process involves three main stages:

• Initial Call (45mins) 
• Case Study Presentation (1hour)
• x2 final interviews via Google Meet (45mins for each 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.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to 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.

What’s in it for you:

• £80,000 - £105,000 as a base salary
• This role will be based out of our London office next to Liverpool Street station in a hybrid approach of office based and home working, or remotely within the UK 
• 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’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-JB1 #LI-REMOTE

📍London/Cardiff/UK Remote | 💰 £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits  ✨

About our Machine Learning Business Banking team

Our mission in Business Banking is to simplify banking for small businesses; making business banking fairer, simpler and more transparent. Monzo Business Banking is fast-growing, is the UK’s most recommended business account for overall service quality. We recently hit 1 million customers and are used by 1 in 6 UK SMEs.

We want to help businesses spend less time on financial admin and more time focused on running and growing their business. We’re building intelligent, data-driven and AI/ML-enabled product experiences that help small businesses feel more in control, make better decisions, and get more value from Monzo.

ML is at the core of how we build and scale our products, enabling Monzo to make better decisions, faster, and helping us serve businesses more effectively.

As a Lead Machine Learning Scientist in Business Banking, you’ll help build and ship models that power the next generation of Business Banking experiences. You’ll work closely with Product, Engineering, Design, Research, Data Science and Analytics Engineering to bring ML-enabled product capability into the heart of how we build for businesses.

Whether it’s helping businesses understand their cash flow, reducing manual admin, surfacing the right insight at the right moment, or helping teams build intelligent product experiences responsibly, our work makes business banking smarter, simpler and more useful for SMEs.

What you'll be working on

As a Lead Machine Learning Scientist, you’ll be a technical leader and hands-on individual contributor, spearheading our ML and GenAI capabilities and shipping key models that powers magical Business Banking experiences.

You’ll:

• Be one of the first ML Scientists in Business Banking, bringing leadership through ambiguity by adding structure and direction to our ML capabilities while staying agile and building momentum.
• Develop and deploy advanced ML models on our cloud-native data platform to serve hundreds of thousands of business customers.
• Partner with Product, data science and other stakeholders to identify the highest-impact opportunities, size impact, and define success metrics.
• Decide when to use ML, GenAI, or simpler approaches and be clear on trade-offs.
• Design robust evaluation and monitoring so we can ship responsibly and measure impact in production.
• Lead the design and implementation of batch and near-real-time models (e.g. LLM-powered experiences, predictive models, time-series forecasting).
• Collaborate closely with MLOps and Backend Engineering to operationalise models end-to-end and raise the bar on ML lifecycle rigor.
• Set technical standards, mentor others, and support experimentation and iteration.

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 state-of-the-art ML models 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.
• You speak Python fluently and have extensive, hands-on experience with scikit-learn. You are comfortable using SQL, and keen to learn Go, 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 small businesses use to run and manage their financial lives 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 AI 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.
• You’re excited by the opportunity to help Business Banking evolve into AI and ML-enabled product capability.
• You can work closely with Product, Engineering, Design, Research and Data colleagues to shape product strategy, clarify trade-offs and build things that customers actually use.
• You’re thoughtful about responsible ML/AI; especially in financial products where trust, transparency and customer control matter.

Nice to haves

• Experience working on personalisation, ranking, recommendation, forecasting, classification or decisioning problems for customer-facing applications.
• Experience working on ML systems for fintech, banking, accounting, payments, lending, invoicing, cash flow, tax, risk or business software.
• Experience with GenAI, LLMs, agentic workflows, retrieval, evaluation frameworks, or human-in-the-loop product experiences.
• Commercial experience writing critical production code and working with microservices.
• Experience designing experiments, A/B tests or other approaches to measure product and customer impact.
• Experience working in regulated environments or with products where explainability, auditability and customer trust are especially important.

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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership 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 or Barcelona | UK remote | 💰 £95,000 to £130,000 + Incentive Awards tied to your performance + Benefits| Technology - Data  

About our Data Science Teams:

We're looking for a Lead Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2026 and help us to build a bank that customers truly love.

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

Enable Monzo to Make Better Decisions, Faster

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

How we hire

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

What you’ll be working on:

• Lead the data strategy and continue to evolve Monzo for our customers to make it magically simple to manage money day-to-day
• Develop and execute best practices for experimentation enabling our team to make data informed decisions
• Collaboratively set standards and work with data across Monzo, fostering knowledge sharing and continuously improving data practices.
• Work closely with leaders in product, engineering, design and research to build and iterate on product ideas 

You should apply if:

• You enjoy working with cross functional fast moving teams
• You are able to think strategically about commercial products and how decisions using data can unlock more value for our customers
• You are excited about mentoring other data scientists and analytics engineers 
• You are excited by experimentation and utilising new data techniques to solve challenging problems 
• You want to understand the nuances of our data and are excited about laying the key foundational knowledge for our new products and features
• You are opinionated about how to think about measuring success and are willing to challenge the status quo

The interview process:

Our interview process involves: 

• Recruiter Call
• Initial Call 
• Technical assessment
• Final Interviews
• Business Fit/Collaboration
• Case Study
• Technical Interview

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process.

One of our recruiters has written a blog on the process, for extra details, hints and tips please see Data Hiring at Monzo

What’s in it for you:

💰 £95,000 to £130,000 + Incentive Awards tied to your performance + Benefits

✈️ We can help you relocate to the UK or Spain

✅ We can sponsor visas 

📍This role can be based in our London or Barcelona offices, but we're also open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefits 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-NB2 #LI-Remote

📍London/Cardiff/UK Remote | 💰circa £110,000 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨

We’re looking for a Senior Legal Counsel to join our team at Monzo to support our payments business including digital assets and emerging payment technologies. You will report to Monzo’s Director of Legal for Payments & Business Banking, be part of the Legal and Board Governance Collective, and act as a legal business partner for the teams working on these initiatives.

This role sits at the intersection of payments, digital assets and emerging payments technologies. You’ll help teams navigate a rapidly evolving legal and regulatory landscape, helping Monzo innovate responsibly while protecting our customers. 

You’ll work at all levels in the organisation and with a wide-range of stakeholders from Product Managers and Designers, to Operations professionals and Software Engineers, and Risk, FinCrime and Compliance professionals. 

While payments, digital assets and emerging financial technologies will be your primary focus, more broadly, you will also have opportunities to work within a team of product lawyers to give first rate legal advice and support to Monzo’s Product Collectives, including in areas like personal and business banking. 

🔑You’ll play a key role by...

• You’ll work directly with senior lawyers, product managers and engineers to provide legal advice and commercial insights to develop and grow Monzo Bank in the UK - and internationally. 

In particular, you will: 

• Partner with product managers to advise on legal matters, in particular relating to the impact of  digital assets and emerging financial technologies, and advise on the legal and regulatory requirements for Monzo. 
• Help to develop efficient ways of working to enable Monzo to scale quickly, and ensuring Monzo operates safely and in accordance with the law and regulation.
• Provide training and knowledge sharing with other Monzonauts on the impact of laws and regulations for Monzo and our customers in your specialist area..
• Often act as the sole lawyer advising product managers or other colleagues, identifying legal issues proactively, evaluating relevant risks and finding effective solutions to unique and complex business activities. 
• You’ll work closely and collaboratively with Monzo’s Director of Legal for Payments & Business Banking, Director of Product Legal, the General Counsel of Monzo Bank Limited and the other members of the UK Legal team to provide legal advice and commercial insights, in particular in relation to digital assets and other emerging financial technologies, to Product teams.
• You’ll be a trusted advisor and will work proactively and collaboratively with other relevant stakeholders and teams across the Monzo Group, including the Product, Risk & Compliance, Supplier Operations, Financial Crime, Fraud and Operations teams.
• You’ll advise on the evolving legal and regulatory framework for digital assets and emerging financial technologies, working with colleagues across the UK and EU to  to help us identify relevant local legal and regulatory requirements and apply them to our products.
• You’ll work with colleagues across the Legal and Board Governance Collective to improve the management of our teams’ activities, including through identifying suitable technology solutions to streamline workflows, optimise processes and efficiencies, and increase scalability.
• You’ll proactively manage relationships with external suppliers and law firms to enhance processes around cost management to ensure we are optimising our spend and extracting best value while delivering top-quality legal support. 

🤩 We’d love to hear from you if…

• You are a technically excellent lawyer with a minimum of 5 years of relevant post-qualification experience, with recent experience of digital assets, emerging financial technologies and the evolving regulatory regime.
• You have demonstrated experience of advising on laws and regulations relevant to financial services, including the UK regulatory regime as it applies to digital assets and emerging payment technologies.   
• You are a team player and a keen problem solver, skilled at assessing risk and recommending solutions that balance commercial and risk considerations. You think ahead, anticipate relevant challenges, understand the commercial objectives of the teams you support, set clear objectives, and find effective solutions. 
• You are proactive, take initiative to broaden your knowledge, and are passionate about the intersection of banking and technology and the transformation unfolding in consumer finance. You are excited to work in a fast-paced environment and to join us for the next stage of our journey at Monzo!

The interview process:

Our interview process involves 3 main stages: 

• Recruiter call
• Initial call 
• Full loop: Technical and behavioural interviews 

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

What’s in it for you:

💰 circa £110,000 + Incentive Awards tied to your performance ➕ benefits 

✈️ We can help you relocate to the UK

📍This role is based in our London office. If you are not based in London, we're open to discuss this on a case by case basis.

⏰ 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 

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. 

📍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/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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership 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 Operations team:

The challenges are significant: we aim to transform customer service by reducing the time and effort required to resolve issues, enhancing customer confidence and satisfaction. As part of Operations, you’ll be at the forefront of our mission to provide unparalleled customer support experiences.

Your role will be pivotal in leveraging state-of-the-art machine learning techniques (including LLMs and autonomous agents) to understand customer problems. You will lead the development of an effective human-in-the-loop system that augments automation with the efforts of our support workforce (who we call COps). This allows us to more expediently and efficiently predict, identify, disambiguate, and route customer problems at scale to support a rapidly expanding company with global ambitions across multiple geographies.

You’ll be working closely with a team of Machine Learning Scientists in Operations, embedded in product squads alongside data scientists, backend, mobile and web engineers, product managers, user researchers, designers, and operations specialists.

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 wider Machine Learning discipline, helping to steer technical work and drive up standards.

This will involve:

• Working with stakeholders across the organisation to identify and scope out the most impactful opportunities to transform Customer Operations with Machine Learning.

• Leading the design and development of advanced Machine Learning models, exploring how LLMs, RAG, and sequence-based architectures can drive improvements in query resolution and routing.

• Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others.

• Steering ongoing technical strategy, working closely with our MLOps team and backend engineers 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

• 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 customer operations, capacity planning, forecasting, or 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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership 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

📍Madrid, Spain  |💰 €53,000 - €65,000, Incentive Awards tied to your performance ➕ benefits | Hear from the team 

⭐Our Risk and Compliance team

Monzo Bank Europe (MBEU) is the Irish-based subsidiary of the Monzo Group and the strategic launchpad for our expansion across the European Union. We are looking for a seasoned Risk Assurance Manager to provide independent Second-Line of Defence (2LOD) assurance over the design and effectiveness of the bank’s risk management framework, controls and processes. You will ensure that key risks are managed in line with regulatory expectations, internal policies and our risk appetite, providing robust oversight and challenge across the full spectrum of the bank’s risk universe.

In this role, you will ensure the bank complies with:

• Irish Regulatory Obligations, including CBI, CPC, AML/CFT legislation, and the Companies Act.
• EU Regulatory Requirements, including DORA, EBA Guidelines, ECB/SSM expectations, and GDPR.
• Internal Governance, including adherence to risk frameworks, policies, and risk appetite.

Reporting directly to the Director of Risk Assurance, MBEU, you will design, execute, and report on 2LOD assurance reviews covering conduct, financial crime, fraud, credit, and financial risks. Your remit will also include operational risk, ICT and information security, outsourcing, data protection and governance structures. This role is critical in fostering a sound risk culture and supporting senior management and the Board in their oversight responsibilities.You will be instrumental in providing stakeholders with the assurance needed to ensure our growth is safe, resilient and compliant.

The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards 2018 issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework and will be required to take reasonable steps to ensure that the relevant conduct standards are met.

🔑You’ll play a key role by...

• Assurance Plan: Planning, coordinating and executing comprehensive risk assurance activities, including effectiveness reviews to ensure EU-wide adherence to the enterprise risk framework.
• Thematic Reviews: Conducting targeted thematic reviews across specific risk areas (e.g., conduct, compliance, financial crime, IT, prudential and strategic risk) to provide in-depth assurance over design adequacy and operating effectiveness.
• Remediation: Identifying areas for improvement within the risk management framework and control environment, recommending practical, impactful solutions and tracking remediation efforts to completion.
• Stakeholder Engagement: Proactively engage with business and risk stakeholders to understand Monzo Europe’s products and risk profiles, fostering a collaborative and transparent risk culture.
• Strategic Planning: Contributing to the annual risk assurance plan by providing insights gathered through continuous monitoring of regulatory trends and horizon scanning, market practices and upstream developments.
• Framework Governance: Contribute to the continuous improvement of the 2LOD Risk Assurance Framework, Methodology and Terms of Reference to ensure they remain fit-for-purpose and market-leading.
• Cross-Functional Collaboration: Partnering closely with First-Line of Defence (1LOD) control testing, Group 2LOD, and Internal Audit to ensure alignment while maintaining strict independent challenge.
• Reporting & Governance: Contributing to risk governance by reporting thematic insights, trends and remediation progress to senior management committees.
• Risk Culture: Promote a strong risk and compliance culture, awareness and training programs across the organisation.

🤩 We’d love to hear from you if…

• You have a strong background in risk assurance, internal audit and/or risk management within banking or fintech in the European regulatory and financial services landscape. 
• You have a proven ability to plan and execute diverse assurance activities, from effectiveness reviews to thematic deep dives, with a clear focus on root cause analysis.
• You’ve led reviews across a wide range of risk areas, including ICT and Information Security, Financial/Prudential (Liquidity, Treasury, Capital), Fraud and Financial Crime (AML/Sanctions), Operational and Conduct Risk (Consumer Protection/Vulnerability).
• You possess a deep understanding of risk and control frameworks (e.g., COSO, ISO) and can practically apply this knowledge to 2LOD oversight.
• You are skilled in the hands-on identification and testing of risks and controls, with a keen eye for detail and potential weaknesses.
• You have a track record of identifying gaps within risk management processes and frameworks and recommending practical, high-impact solutions.
• You combine sharp analytical skills with the ability to communicate findings clearly to diverse stakeholders, offering constructive challenge and influencing at all levels.
• You have strong data analysis skills, you know how to extract, interrogate and present data in a way that makes complex issues easy for stakeholders to understand.
• You’re proficient in Google Suite and can build high-quality decks for Committee and Board reporting. Experience with SQL or Python is a distinct advantage.

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 base salary range of €53,000 - €65,000 ➕ Incentive Awards tied to your performance.

📍This role will have a hybrid working model, based in our Madrid office 2 - 3 days a week, however, you will be expected to travel to Monzo’s head offices in Dublin and/or London 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 4 key steps

• An introductory call with a member of our hiring team
• An initial call with the hiring manager
• A series of role specific and behavioural interviews
• A final call with a member of our Executive team

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, Spain  |💰 €53,000 - €65,000, Incentive Awards tied to your performance ➕ benefits | Hear from the team 

⭐Our Risk and Compliance team

Monzo Bank Europe (MBEU) is the Irish-based subsidiary of the Monzo Group and the strategic launchpad for our expansion across the European Union. We are looking for a seasoned Risk Assurance Manager to provide independent Second-Line of Defence (2LOD) assurance over the design and effectiveness of the bank’s risk management framework, controls and processes. You will ensure that key risks are managed in line with regulatory expectations, internal policies and our risk appetite, providing robust oversight and challenge across the full spectrum of the bank’s risk universe.

In this role, you will ensure the bank complies with:

• Irish Regulatory Obligations, including CBI, CPC, AML/CFT legislation, and the Companies Act.
• EU Regulatory Requirements, including DORA, EBA Guidelines, ECB/SSM expectations, and GDPR.
• Internal Governance, including adherence to risk frameworks, policies, and risk appetite.

Reporting directly to the Director of Risk Assurance, MBEU, you will design, execute, and report on 2LOD assurance reviews covering conduct, financial crime, fraud, credit, and financial risks. Your remit will also include operational risk, ICT and information security, outsourcing, data protection and governance structures. This role is critical in fostering a sound risk culture and supporting senior management and the Board in their oversight responsibilities.You will be instrumental in providing stakeholders with the assurance needed to ensure our growth is safe, resilient and compliant.

The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards 2018 issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework and will be required to take reasonable steps to ensure that the relevant conduct standards are met.

🔑You’ll play a key role by...

• Assurance Plan: Planning, coordinating and executing comprehensive risk assurance activities, including effectiveness reviews to ensure EU-wide adherence to the enterprise risk framework.
• Thematic Reviews: Conducting targeted thematic reviews across specific risk areas (e.g., conduct, compliance, financial crime, IT, prudential and strategic risk) to provide in-depth assurance over design adequacy and operating effectiveness.
• Remediation: Identifying areas for improvement within the risk management framework and control environment, recommending practical, impactful solutions and tracking remediation efforts to completion.
• Stakeholder Engagement: Proactively engage with business and risk stakeholders to understand Monzo Europe’s products and risk profiles, fostering a collaborative and transparent risk culture.
• Strategic Planning: Contributing to the annual risk assurance plan by providing insights gathered through continuous monitoring of regulatory trends and horizon scanning, market practices and upstream developments.
• Framework Governance: Contribute to the continuous improvement of the 2LOD Risk Assurance Framework, Methodology and Terms of Reference to ensure they remain fit-for-purpose and market-leading.
• Cross-Functional Collaboration: Partnering closely with First-Line of Defence (1LOD) control testing, Group 2LOD, and Internal Audit to ensure alignment while maintaining strict independent challenge.
• Reporting & Governance: Contributing to risk governance by reporting thematic insights, trends and remediation progress to senior management committees.
• Risk Culture: Promote a strong risk and compliance culture, awareness and training programs across the organisation.

🤩 We’d love to hear from you if…

• You have a strong background in risk assurance, internal audit and/or risk management within banking or fintech in the European regulatory and financial services landscape. 
• You have a proven ability to plan and execute diverse assurance activities, from effectiveness reviews to thematic deep dives, with a clear focus on root cause analysis.
• You’ve led reviews across a wide range of risk areas, including ICT and Information Security, Financial/Prudential (Liquidity, Treasury, Capital), Fraud and Financial Crime (AML/Sanctions), Operational and Conduct Risk (Consumer Protection/Vulnerability).
• You possess a deep understanding of risk and control frameworks (e.g., COSO, ISO) and can practically apply this knowledge to 2LOD oversight.
• You are skilled in the hands-on identification and testing of risks and controls, with a keen eye for detail and potential weaknesses.
• You have a track record of identifying gaps within risk management processes and frameworks and recommending practical, high-impact solutions.
• You combine sharp analytical skills with the ability to communicate findings clearly to diverse stakeholders, offering constructive challenge and influencing at all levels.
• You have strong data analysis skills, you know how to extract, interrogate and present data in a way that makes complex issues easy for stakeholders to understand.
• You’re proficient in Google Suite and can build high-quality decks for Committee and Board reporting. Experience with SQL or Python is a distinct advantage.

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 base salary range of €53,000 - €65,000 ➕ Incentive Awards tied to your performance.

📍This role will have a hybrid working model, based in our Barcelona office 2 - 3 days a week, however, you will be expected to travel to Monzo’s head offices in Dublin and/or London 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 4 key steps

• An introductory call with a member of our hiring team
• An initial call with the hiring manager
• A series of role specific and behavioural interviews
• A final call with a member of our Executive team

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, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance  + benefits 
Hybrid model: 3 days a week in the office

 ⭐ Our Mobile Engineering team

There are ~40 Android engineers at Monzo and we’re looking for more to join the team. We have several non-graduates; only some of us studied Computer Science; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we’d love to talk to you.

 Monzo works in small, interdisciplinary teams

We have around 400 engineers out of roughly 4,500 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.

🔑 You’ll play a key role by...

We’re searching for product-focused Android engineers to evolve our native mobile app. You’ll take pride in building polished user experiences, and you’ll balance the need for well-tested resilient code with moving fast and iterating. 

You’ll be working on a product that is a part of day to day life for more than 11 million people already, and your work here will shape the way that people interact with their finances.

As an Android Engineer at Monzo you'll work in a small, autonomous product squad alongside iOS Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, and Data Scientists.

You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on both what we build, and how we build it. Mobile engineers at Monzo work on everything from the personal banking product to customer support tools. We also have a small mobile platform squad dedicated to enabling other engineers to move faster.

Every week we meet as an Android discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes.

You'll report to an engineering manager who will meet with you every 1-2 weeks 1:1. They’re dedicated to helping you grow and develop as an engineer.

Our Android app

Our app is 100% Kotlin, built using MVVM (Model View ViewModel) and Coordinators, and modularised by product feature.

We use RxJava, Retrofit and Moshi for API calls and Dagger for dependency injection. We’re starting to use Coroutines for most new features. Room is our choice for persistence, and we use repositories for interacting with data. We’ve built out our design system with Compose. 

We use GitHub Pull Requests to do code reviews, and write unit tests for our ViewModels, Coordinators, and any other classes which contain logic. We write tests for all of our Compose screens and snapshot test them with Happo. We also use Espresso to test flows, which are executed via our continuous integration system.

We’ve previously written about building Monzo Chat on Android, which goes into detail on some of these elements.

🤩 We’d love to hear from you if…

• You care about the impact your work has on our customers, and optimise for outcomes rather than the number of lines of code you output
• You’re excited about and have experience in programming in Kotlin
• You’ve shipped and iterated on at least one app in the Play Store
• You have a product mindset: you care about customer outcomes and you want to make data-informed decisions
• You love turning excellent design into beautiful products
• You’re comfortable working in a team that deals with ambiguity
• You have an understanding computer science principles

We're on the look out for L30 Engineers at the moment, you can read more in our Engineering Progression Framework you will be interviewed across the whole framework, so if you're not sure what level you're aiming for chat to your recruiter! 

🙌 What’s in it for you:

💰Base salary range for this role is depending on experience + equity + stock options & benefits 

⏰ 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 €1,200 a year for books, training courses and conferences

🌈 The application journey has 3 key steps

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 

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.

There’s a detailed blog on the interview process, for extra details, hints and tips.

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.

📍Madrid, Spain | 💰€75,000 - €95,000 + Incentive Awards tied to your performance ➕ benefits | Hear from the team ✨

⭐Our Risk & Compliance Team

We are looking for a Senior Risk & Compliance Officer to oversee risk management and compliance activities for the Spanish Branch of Monzo Bank Europe. In this role, you will implement Monzo’s Risk Management Framework in Spain, monitor the Branch’s key material risks covering operational, conduct and compliance risks, and support regulatory engagements particularly with Banco de España.

Acting as a trusted advisor to the Spain Branch Manager, you will provide independent oversight, challenge and advice across a broad spectrum of risks including Credit, Operational, ICT/Security, Conduct, Compliance and Business risks. You will maintain strict functional independence via your reporting lines into the EU Risk Directors.

This role sits within the Second Line of Defense (2LOD) and reports functionally to the EU Director of Operational Risk and the EU Director of Conduct & Compliance Risk, and operationally to the Spain Branch Manager.

This role includes acting as the Customer Service Representative of the Branch in accordance with article 5 of Order ECO/734/2004 and as the Deputy MLRO for Spain, supporting the MLRO in overseeing compliance with Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) regulations, and providing 2LOD coverage and backup when required.

The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework (IAF) and will be required to take reasonable steps to ensure that the relevant conduct standards are met.

🔑You’ll play a key role by...

Local Branch Risk & Compliance Oversight and Governance

• Acting as the primary 2LOD point of contact for the Spanish branch, establishing and embedding a robust risk and compliance culture.
• Monitoring and interpreting local regulatory updates from the Banco de España and other relevant authorities, ensuring changes are effectively integrated into local operating procedures.
• Coordinating and drafting regulatory risk and compliance reports for local authorities, the Spain Branch Management Committee and EU-level Risk Committees as appropriate.
• Supporting the Spain Branch Manager in maintaining clear local governance, accountability structures, and regulatory horizon scanning and mapping.
• Developing, maintaining, and reporting against the Branch Risk Appetite Statement (RAS).
• Establishing and maintaining branch-level risk and compliance dashboards, metrics, and data analytics capabilities to support informed decision-making for Spanish operations.
• Attending and actively participating in relevant internal governance forums, presenting management information (MI) and risk dashboards to key stakeholders.
• Serving as a key leader within the wider Risk and Compliance team concerning all matters related to the Spanish business.
• Championing a strong risk and compliance culture across Monzo's Spanish operations by developing and delivering comprehensive training and awareness programs for employees.

Operational, ICT, Security, Data & Third-Party Risk Oversight

• Overseeing the branch’s operational risk profile, ensuring that internal incidents, errors, and near-misses are accurately captured, investigated and mitigated.
• Contributing to the Risk and Control Self-Assessment (RCSA) process, ensuring branch-specific risks are accurately identified and assessed with appropriate controls in place.
• Providing targeted 2LOD oversight on ICT, Cybersecurity, and Data Privacy (GDPR/local data protection) risks, ensuring strict alignment with the Digital Operational Resilience Act (DORA) and local technology frameworks.
• Overseeing Payment Services compliance (including PSD2/PSD3/PSR transitions), monitoring transaction resilience, instant payment performance, and operational uptime.
• Overseeing risk and control assessments for local Third-Party Providers (TPPs) and outsourced critical services, ensuring inter-company and external vendor SLAs are monitored in compliance with local outsourcing regulations

Conduct Risk, Compliance & Consumer Protection

• Acting as the Customer Service Representative of the Branch in accordance with article 5 of Order ECO/734/2004.
• Reviewing and overseeing the conduct risk profile within the branch, ensuring that product design, marketing materials and customer interactions result in positive outcomes and comply with the Spanish Consumer and Conduct rules.
• Monitoring and challenging local compliance processes, including complaints handling data, trend analysis, product governance and Go-To-Market (GTM) strategies.
• Preparing and presenting the annual Customer Service report to Branch Management, leveraging operational insights to provide actionable recommendations for improving processes and customer outcomes.
• Leading local Compliance Assurance reviews to validate the operational effectiveness of key internal controls.
• Partnering and coordinating with the centralised EU compliance team to ensure local Spanish nuances are addressed and that Monzo adheres to all applicable regional supervisory expectations and guidelines.
• Providing 2LOD compliance review and formal sign-off for all advertising and marketing materials destined for the Spanish market.
• Contributing actively to the branch’s ongoing regulatory horizon scanning and change management processes. 

Credit & Business Risk Oversight

• Monitoring and providing independent 2LOD challenge on local credit portfolio performance, highlighting trends in non-performing loans (NPLs), credit concentrations or underwriting deviations.
• Assessing the suitability of the credit risk framework and policies for the Spanish market, challenging credit risk strategies as appropriate.
• Monitoring business and strategic risks affecting the branch, ensuring that market-entry or product diversification activities align with the approved local Risk Appetite Statement (RAS). 

Deputy MLRO & FinCrime Oversight

• Acting as the designated Deputy MLRO for the Spain Branch, providing operational and governance coverage for the MLRO as required.
• Assisting in overseeing AML/CFT compliance frameworks and supporting internal reporting and regulatory interactions with relevant authorities (e.g., SEPBLAC).

🤩 We’d love to hear from you if…

• You have a minimum of 7 years of experience in Risk Management, Compliance or Internal Audit within a regulated retail bank, digital bank, or top-tier fintech operating in Spain
• You have a deep understanding of Banco de España regulations and broader EBA/ECB regulatory requirements (CRD V, PSD2/3, GDPR, DORA, AML/CFT)
• You have a proven experience in working with regulatory authorities and managing compliance-related audits.
• You have demonstrated experience managing or overseeing multiple risk types, with specific expertise in Operational Risk, ICT/Security Risk, Conduct risk, Compliance Risk and basic Credit Portfolio Quality reviews.
• You are a native or completely bilingual Spanish speaker with excellent professional proficiency in English (written and spoken), capable of translating complex local regulations into corporate/Group updates.
• You are a self-starter mentality comfortable with a matrix reporting structure. Ability to challenge senior executives constructively while maintaining a collaborative, solution-oriented approach to scaling a business.
• You are passionate about financial technology and motivated by the opportunity to be at the forefront of banking transformation in the EU.

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 €75,000 - €95,000 + Incentive Awards tied to your performance

📍This role will have a hybrid working model, based in our Madrid office 2 - 3 days a week, however, you will be expected to travel to Monzo’s head offices in Dublin and/or London 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 4 key steps 

• Short call with a Monzo recruiter
• Video-call with the Hiring Manager
• Interview Loop: 2 x video-call interviews
• Final Exec Call 

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. 

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, Spain | 💰€75,000 - €95,000 + Incentive Awards tied to your performance ➕ benefits | Hear from the team ✨

⭐Our Risk & Compliance Team

We are looking for a Senior Risk & Compliance Officer to oversee risk management and compliance activities for the Spanish Branch of Monzo Bank Europe. In this role, you will implement Monzo’s Risk Management Framework in Spain, monitor the Branch’s key material risks covering operational, conduct and compliance risks, and support regulatory engagements particularly with Banco de España.

Acting as a trusted advisor to the Spain Branch Manager, you will provide independent oversight, challenge and advice across a broad spectrum of risks including Credit, Operational, ICT/Security, Conduct, Compliance and Business risks. You will maintain strict functional independence via your reporting lines into the EU Risk Directors.

This role sits within the Second Line of Defense (2LOD) and reports functionally to the EU Director of Operational Risk and the EU Director of Conduct & Compliance Risk, and operationally to the Spain Branch Manager.

This role includes acting as the Customer Service Representative of the Branch in accordance with article 5 of Order ECO/734/2004 and as the Deputy MLRO for Spain, supporting the MLRO in overseeing compliance with Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) regulations, and providing 2LOD coverage and backup when required.

The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework (IAF) and will be required to take reasonable steps to ensure that the relevant conduct standards are met.

🔑You’ll play a key role by...

Local Branch Risk & Compliance Oversight and Governance

• Acting as the primary 2LOD point of contact for the Spanish branch, establishing and embedding a robust risk and compliance culture.
• Monitoring and interpreting local regulatory updates from the Banco de España and other relevant authorities, ensuring changes are effectively integrated into local operating procedures.
• Coordinating and drafting regulatory risk and compliance reports for local authorities, the Spain Branch Management Committee and EU-level Risk Committees as appropriate.
• Supporting the Spain Branch Manager in maintaining clear local governance, accountability structures, and regulatory horizon scanning and mapping.
• Developing, maintaining, and reporting against the Branch Risk Appetite Statement (RAS).
• Establishing and maintaining branch-level risk and compliance dashboards, metrics, and data analytics capabilities to support informed decision-making for Spanish operations.
• Attending and actively participating in relevant internal governance forums, presenting management information (MI) and risk dashboards to key stakeholders.
• Serving as a key leader within the wider Risk and Compliance team concerning all matters related to the Spanish business.
• Championing a strong risk and compliance culture across Monzo's Spanish operations by developing and delivering comprehensive training and awareness programs for employees.

Operational, ICT, Security, Data & Third-Party Risk Oversight

• Overseeing the branch’s operational risk profile, ensuring that internal incidents, errors, and near-misses are accurately captured, investigated and mitigated.
• Contributing to the Risk and Control Self-Assessment (RCSA) process, ensuring branch-specific risks are accurately identified and assessed with appropriate controls in place.
• Providing targeted 2LOD oversight on ICT, Cybersecurity, and Data Privacy (GDPR/local data protection) risks, ensuring strict alignment with the Digital Operational Resilience Act (DORA) and local technology frameworks.
• Overseeing Payment Services compliance (including PSD2/PSD3/PSR transitions), monitoring transaction resilience, instant payment performance, and operational uptime.
• Overseeing risk and control assessments for local Third-Party Providers (TPPs) and outsourced critical services, ensuring inter-company and external vendor SLAs are monitored in compliance with local outsourcing regulations

Conduct Risk, Compliance & Consumer Protection

• Acting as the Customer Service Representative of the Branch in accordance with article 5 of Order ECO/734/2004.
• Reviewing and overseeing the conduct risk profile within the branch, ensuring that product design, marketing materials and customer interactions result in positive outcomes and comply with the Spanish Consumer and Conduct rules.
• Monitoring and challenging local compliance processes, including complaints handling data, trend analysis, product governance and Go-To-Market (GTM) strategies.
• Preparing and presenting the annual Customer Service report to Branch Management, leveraging operational insights to provide actionable recommendations for improving processes and customer outcomes.
• Leading local Compliance Assurance reviews to validate the operational effectiveness of key internal controls.
• Partnering and coordinating with the centralised EU compliance team to ensure local Spanish nuances are addressed and that Monzo adheres to all applicable regional supervisory expectations and guidelines.
• Providing 2LOD compliance review and formal sign-off for all advertising and marketing materials destined for the Spanish market.
• Contributing actively to the branch’s ongoing regulatory horizon scanning and change management processes. 

Credit & Business Risk Oversight

• Monitoring and providing independent 2LOD challenge on local credit portfolio performance, highlighting trends in non-performing loans (NPLs), credit concentrations or underwriting deviations.
• Assessing the suitability of the credit risk framework and policies for the Spanish market, challenging credit risk strategies as appropriate.
• Monitoring business and strategic risks affecting the branch, ensuring that market-entry or product diversification activities align with the approved local Risk Appetite Statement (RAS). 

Deputy MLRO & FinCrime Oversight

• Acting as the designated Deputy MLRO for the Spain Branch, providing operational and governance coverage for the MLRO as required.
• Assisting in overseeing AML/CFT compliance frameworks and supporting internal reporting and regulatory interactions with relevant authorities (e.g., SEPBLAC).

🤩 We’d love to hear from you if…

• You have a minimum of 7 years of experience in Risk Management, Compliance or Internal Audit within a regulated retail bank, digital bank, or top-tier fintech operating in Spain
• You have a deep understanding of Banco de España regulations and broader EBA/ECB regulatory requirements (CRD V, PSD2/3, GDPR, DORA, AML/CFT)
• You have a proven experience in working with regulatory authorities and managing compliance-related audits.
• You have demonstrated experience managing or overseeing multiple risk types, with specific expertise in Operational Risk, ICT/Security Risk, Conduct risk, Compliance Risk and basic Credit Portfolio Quality reviews.
• You are a native or completely bilingual Spanish speaker with excellent professional proficiency in English (written and spoken), capable of translating complex local regulations into corporate/Group updates.
• You are a self-starter mentality comfortable with a matrix reporting structure. Ability to challenge senior executives constructively while maintaining a collaborative, solution-oriented approach to scaling a business.
• You are passionate about financial technology and motivated by the opportunity to be at the forefront of banking transformation in the EU.

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 €75,000 - €95,000 + Incentive Awards tied to your performance

📍This role will have a hybrid working model, based in our Barcelona office 2 - 3 days a week, however, you will be expected to travel to Monzo’s head offices in Dublin and/or London 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 4 key steps 

• Short call with a Monzo recruiter
• Video-call with the Hiring Manager
• Interview Loop: 2 x video-call interviews
• Final Exec Call 

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. 

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 | 💰£86,000 - £115,000 + Incentive Awards tied to your performance + Benefits  ✨

Our Core team ⭐
Our Core team is at the heart of the Monzo experience, building the products and features millions of customers rely on every day. We’re looking for a Partnerships Manager to drive strategic partnerships that enhance our Core banking features including subscriptions, accounts, and new bets like Monzo Mobile. These partnerships not only add significant value for our paying customers but also include high-profile, reputable brands, serving as a key pillar of our proposition. You will be pivotal in identifying, building, and managing relationships with partners that strengthen our Core propositions in the UK and beyond as we expand. From creating compelling value propositions to scaling existing partnerships, you’ll work cross-functionally to deliver impactful collaborations that align with Monzo’s mission and growth ambitions.

🔑 You’ll play a key role by...

• Developing and delivering a partnership strategy that supports the growth of Monzo’s core banking products and aligns with customer needs and business goals
• Identifying and securing strategic partnerships with trusted, well-known brands that create meaningful value for our paying customers
• Leading commercial negotiations and contract discussions with new and existing partners, building long-lasting, mutually beneficial relationships
• Scaling and optimising existing partnerships through data-driven insights, performance tracking and continuous improvement
• Analysing customer behaviour and commercial performance to identify the highest-impact partnership opportunities
• Building strong relationships across Product, Marketing, Data Science, Design and Operations to seamlessly bring partnerships to life
• Managing partnerships from initial idea through implementation, optimisation and long-term success

🤩 We’d love to hear from you if…

• You have a proven track record in partnerships, business development or growth, ideally within banking, fintech or technology
• You have experience building and scaling B2B and B2C partnerships that deliver measurable commercial and customer impact
• You're highly analytical and confident using data to inform decisions, identify opportunities and influence strategy
• You’re an excellent communicator and relationship builder who can collaborate effectively with both internal stakeholders and external partners
• You enjoy working cross-functionally and can navigate technical, commercial and operational challenges with confidence
• You’re excited by Monzo’s mission to make money work for everyone and want to help build products customers genuinely love

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
💰 £86,000 - £115,000 ➕ Incentive Awards tied to your performance
📍This role is based in 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 3 key steps

• Recruiter Call (30 minutes)
• Initial Hiring Manager Call (30 minutes)
• 2 hours of technical and behavioural interviews

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 

London/Cardiff/UK Remote | 💰c.£85,000 + Incentive Awards tied to your performance + Benefits  ✨

Our People Governance & Accountability team ⭐

We call it Monzo Magic. Mission. Action. Growth. Inclusion. Care. It runs through everything that we do and within the People Collective it’s how we set Monzo up for success by bringing mission led people together to do work and banking differently. We foster a culture that centres on our customers and brings together the best of tech with the best of banking. We empower a diverse, high performing, innovative and agile workforce in doing the most impactful work of their careers to date. It’s an ambitious task to scale this culture and ways of working, but it’s a mission we’re committed to. 

At Monzo, we want governance to do more than keep us safe. It should be clear, practical and scalable. It should help us grow with confidence, and make accountability work well in real life.

That’s what our People Governance & Accountability team is here to do. 

We’re a small, high-impact team working at the intersection of People, Legal, Compliance and Risk. We own the end-to-end design and operation of Monzo’s accountability and people governance frameworks globally, making sure our approach stands up to internal and external scrutiny and works effectively in practice. 

We’re looking for a People Governance and Accountability Senior Manager to join us. This is an individual contributor role with meaningful scope. You’ll own operational delivery across our people governance and accountability frameworks, and continuously improve how they work over time, and partner with teams across Monzo to keep things clear, efficient and well controlled. You’ll report to the People Governance & Accountability Lead and work closely with two other team members.

🔑 You’ll play a key role by...

…owning and coordinating the day-to-day operational delivery of people governance and accountability at Monzo. You’ll help turn complex regulatory requirements into practical, efficient and well-controlled processes that work at scale. 

This isn’t just about keeping things compliant. You’ll help make sure Monzo can operate confidently across people-related regulation, accountability regimes and broader governance requirements in multiple jurisdictions, while improving the experience and efficiency of how the work gets done.

This role has influence and impact across the People Collective and Monzo as a whole. The quality of your judgement, attention to detail, delivery and partnership will directly affect how effectively Monzo manages accountability, risk and regulatory scrutiny as we grow. 

What you’ll be doing

This role blends people and governance expertise, regulatory knowledge, operational ownership and systems thinking.

As you scale with us, you will:

• Manage the day-to-day delivery of our accountability regimes (SMCR and IAF/SEAR), making sure key processes, controls, timelines and outputs are delivered to a high standard.
• Run business-as-usual activities across fit and proper assessments, certification, accountability processes (including applications and mapping), governance documentation and regulatory reporting.
• Coordinate day-to-day work across the team, ensuring priorities are clear and delivery stays on track.
• Act as a trusted subject matter expert on accountability and people governance, supporting stakeholders to navigate complexity and make thoughtful, risk-based decisions.
• Build and evolve our broader people governance framework, including how we manage people-related risk, controls, decision-making and organisational change.
• Identify and deliver improvements to processes, controls and tooling, making our frameworks more efficient, scalable and easier to use.
• Partner closely with teams across People, Legal, Compliance, Risk & Controls, Company Secretariat our Board and the wider business to land decisions and keep work moving.
• Support audit, assurance and regulatory engagement with high-quality evidence, papers, reporting and process management.
• Use data and insight to spot themes, identify risks, prioritise improvements and shape the team’s operational roadmap.
• Work closely with the People Governance & Accountability Lead on higher-risk issues, strategic changes and the continued evolution of our global frameworks.

What you’ll own

Operational ownership

You’ll own the day-to-day running of people governance and accountability at Monzo, making sure our core frameworks operate effectively, deadlines are met, outputs are high quality, and work is delivered with consistency and control.

Continuous improvement

You’ll identify smarter ways to do things, improving processes, controls and tooling. That could mean automating manual work, evolving governance cadences, or building more efficient and scalable workflows that reduce risk and friction.

Cross-functional delivery

You’ll work closely with a wide range of stakeholders to ensure people governance and accountability requirements are clear, practical and implemented effectively across the business.

Risk and judgement

You’ll apply thoughtful, risk-based judgement to support pragmatic decision-making, balancing pace, control, consistency and business needs.

Insight and prioritisation

You’ll use data, reporting and feedback to identify themes, spot risks and prioritise where the team should focus, helping shape how the function continues to evolve.

🤩 We’d love to hear from you if…

• You have strong experience in a regulated environment, ideally in governance, compliance, risk, or legal.
• You have hands-on experience of SMCR in a UK dual-regulated (FCA/PRA) firm, and familiarity with IAF/SEAR or other accountability regimes.
• You can translate regulatory or policy requirements into clear, practical processes, training and guidance.
• You have experience planning and leading projects from end to end, driving delivery and keeping work on track.
• You’re collaborative and thoughtful in how you work, and you’re great at bringing together different stakeholders to solve problems well.
• You are a strong communicator, whether you’re writing governance papers, improving processes or talking through nuanced decisions.
• You’re comfortable building relationships with senior stakeholders and presenting to senior forums.
• You’re comfortable working independently and adapting to changing priorities, focusing quickly on higher-risk areas when needed.
• You enjoy building and improving ways of working - spotting gaps, bringing structure and creating more effective, reliable processes.
• You use data and judgement together, and you’re confident making pragmatic recommendations when there isn’t a perfect answer.
• You thrive in a fast-moving environment where you have to balance control, pace and practicality.

🙌 What’s in it for you

💰 c.£85,000 ➕Incentive Awards tied to your performance

⏰ 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

• First stage - Recruiter screen
• Second stage - Initial Call with Hiring Manager
• Third stage - Task
• Fourth stage - Role and values 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.

The closing date for applications is 16th August. 

#LI-DH1 #LI-REMOTE

📍Madrid, Spain  | 💶 €53,400 - €65,000 + Incentive Awards tied to your performance + benefits  | Hear from the team ✨

⭐ About the role

Are you a dynamic problem solver who thrives on building things from scratch? In this role you will help design, build and run Monzo’s European payments capabilities as we expand across Europe. You’ll be setting up and managing a multitude of partnerships, leading complex implementation projects, building operational processes that are fit to scale globally, and working closely with product and engineering teams across Payments and EU teams. You will own our Payments Product Operations in Spain, but will support Monzo’s expansion efforts into new markets.

🔑 You’ll play a key role by...

• Supporting partner selection and owning relationships with new partners and payment schemes.
• Managing payment scheme implementation projects, onboarding and adherence processes.
• Partnering with payments engineering and EU product teams to build, launch, and run new payment systems in Europe.
• Building new back office processes to manage and scale EU payment systems.
• Seeking out and prioritising issues to facilitate continuous improvement for out customer post-launch.
• Establish processes to manage performance for our partners and operations.

🤩 We’d love to hear from you if…

• You have experience working with payment systems and schemes, particularly within Spain.
• You’re familiar with payments regulations that apply to banks within Europe.
• You’re a self starter, proactive, have a strong sense of ownership, and thrive on ambiguity.
• You have experience managing relationships with a wide range of suppliers.
• You can build and scale complex operational systems.
• You have strong strategic reasoning; able to balance and prioritise short and long term tradeoffs.
• You’re comfortable getting into the details of technical systems and working with engineering teams.
• You love solving complex problems and have a track record of managing performance and SLAs.
• You have built strong relationships and collaborate with partners to reach alignment and resolve issues.
• You can drive clarity amidst ambiguity and focus on the things that matter.
• You are organised and have managed complex projects with multiple stakeholders.
• You are analytical and make data driven decisions.

🙌 What’s in it for you

💰A salary range of €53,400 - €65,000 + Incentive Awards tied to your performance.

📍This role will have a hybrid working model, based in our Madrid office 2 - 3 days a week. You may also be required to travel to some of our other locations/offices, such as Barcelona and Dublin.

⏰ 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

• A short call with a Monzo recruiter
• A video-call with the Hiring Manager
• 2 hours of focus area 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) | 💰Competitive base salary and stock options | Benefits

At Monzo, our mission is to make money work for everyone, everywhere. We’re looking for a Senior Technical Program Manager to help ship more and better payment product offerings. This is a high-impact role that demands both technical expertise and exceptional leadership to drive our ambitious goals.

Key Responsibilities:

• Lead end-to-end planning and execution of launching payment products that cross multiple teams and disciplines
• Manage cross-collective programs:
  • Define program roadmaps and milestones, set priorities, manage trade-offs, identify and manage critical path and risks, ensure alignment with the business goals and ambition
  • Collaborate and communicate with multiple stakeholders, both technical and non-technical across the business to ensure alignment and speed of delivery
  • Manage dependencies, timeline and sequencing of delivery
• Drive effective decision making to remove blockers and speed up delivery
• Ensure operational effectiveness across your collective/area

You should apply if:

• You have 5+ years of experience managing complex technology programs or products from inception to launch
• You are able to communicate clearly and persuasively to a wide range of audiences, including executive leadership
• You are comfortable in a global business with a presence in multiple markets and want to be a part of scaling this further
• You can work effectively with a diverse range of people and working styles to get stuff done, and are able to thoughtfully and constructively challenge and influence the people you work with
• You understand how functionality comes together (across products and platforms) to deliver value for users, and identify/mitigate delivery risks proactively; can propose and drive a technical solution
• You are comfortable personally diving deep into the data and architecture to make good decisions in complex situations where there’s often no “right answer”

The interview process:

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 (45 mins) You'll meet with one of our engineering leaders. They'll ask you about your previous experience, in particular program execution and technical leadership. They’ll also make time to tell you about Monzo and answer your questions.
3. Loop Stage (3 hours) The Loop stage consists of 3 x 60 min interviews that take place over 1-2 days (depending on your availability).

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. If you’d like to ask a question sooner, email tech-hiring@monzo.com

What’s in it for you:

💰Base salary range for this role is dependent on experience + equity + stock options & 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-NB2

Staff Analytics Engineer - Borrowing

📍London/Cardiff/UK Remote | 💰 £121,600-164,600 + Incentive Awards tied to your performance 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 + Incentive Awards tied to your performance and 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-AS #LI-Remote

📍London/Cardiff/UK Remote | 💰£110,000-£150,000 + equity + Incentive Awards tied to your performance + Benefits  ✨

About the team⭐

Core Banking's mission is to make everyday money magical for everyone.

We're responsible for the products millions of customers rely on every day — from current accounts, joint accounts and accounts for kids and teens, through to money management, budgeting, and our paid subscriptions. These are some of Monzo's most loved experiences, and they're at the heart of how customers interact with us.

As we continue to grow, we're looking for a Senior User Research Manager to help shape the future of Personal Banking. This is an opportunity to lead research across one of Monzo's largest product areas, influence company strategy, and develop exceptional research leaders.

🔑You’ll play a key role by...

You'll be responsible for both people leadership and strategic research leadership. This includes:

• Leading research across Core Banking while helping shape a coherent Personal Banking research strategy that spans multiple product areas.
• Partnering closely with the Core Banking Leadership Team, Product Directors, Design leaders and senior stakeholders across Wealth, Payments, Borrowing and our European business.
• Helping define and land parts of Monzo's global research operating model as we expand internationally, ensuring teams work effectively across both global and local markets.
• Connecting customer insights across collectives, identifying themes, opportunities and gaps rather than viewing research through the lens of a single team.
• Bringing together existing research, product data, market insights and quantitative evidence to help leadership make informed strategic decisions.
• Managing managers and supporting approximately 6-8 direct and indirect reports while maintaining a consistently high bar for research quality.
• Creating an environment where researchers can balance methodological rigour with the speed needed to build great products.

🤩 We’d love to hear from you if…

You have experience with:

• Leading senior researchers and/or research managers within a complex product organisation.
• Shaping and influencing product strategy through research at both organisational and executive level.
• Working across multiple product areas, bringing together disparate customer insights into a coherent strategic narrative.
• Navigating complex stakeholder environments where different teams have competing priorities, metrics and timelines.
• Partnering with Product, Design, Engineering and Data Science leaders to influence roadmaps and business strategy.
• Combining qualitative research with quantitative signals, product data and market insights to develop strategic recommendations.
• Building alignment across large organisations and landing new ways of working with multidisciplinary teams.
• Coaching research leaders while maintaining a high quality bar across multiple teams.
• Making thoughtful trade-offs between research depth, pace and business impact.

🙌 What’s in it for you

💰 £110,000 - £150,000 ➕ 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 (30 minutes): A conversation with one of our recruiters to learn more about your background, motivations, and what you're looking for next, while giving you the opportunity to learn more about Monzo and the role.
Leadership & Ways of Working (45 minutes): We'll explore your leadership experience, approach to research strategy, and how you raise the research quality bar.
Final loop (Total 1hr 30 - 2 hours): Two interviews covering Managing Teams & People and Leadership & Impact, where we'll discuss your approach to developing research leaders, building high-performing teams, influencing strategy, and driving organisational impact.

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-LG1  #LI-Remote

📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance  + benefits 
Hybrid model: 3 days a week in the office

About our Data Science Teams:

We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement and help us to build a bank that customers truly love. 

At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over 15 million customers in the UK. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals. 

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

How we hire

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

Your day-to-day

• Applying your expertise in quantitative analysis, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our products and how those insights can inform our product strategy
• Guide and enable product teams to measure things that matter; initiate or help run A/B experiments to keep improving everything we do
• Drive together with the finance team a unified company-wide understanding of the lifetime value of our users and how different product features are impacting user profitability 
• Liaise with engineers to keep making sure we collect the right data to produce relevant business insights

You should apply if:

• You're impact driven and eager to have a real positive impact on the company, product, users and very importantly your colleagues as well 
• You're commercially minded and can put numbers into business perspective 
• You’re as comfortable getting hands-on as taking a step back and thinking strategically 
• You have a self-starter mindset ; you proactively identify issues and opportunities and tackle them without being told to do so 
• You're a team player whom your colleagues can rely on 
• You have solid grounding in SQL and preferably Python 
• You have experience in conducting large scale A/B experiments

The Interview Process:

Our interview process involves three main stages:

1. Recruiter Call 
2. Initial Call
3. Technical Interview
4. Final Interview including a case study and collaboration interview

Our average process takes around 2-3 weeks but we will always work around your availability.
You will have the chance to speak to our recruitment team at various points during your process.

What’s in it for you:

💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance  + benefits 

📍Barcelona, Spain

⏰ 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 €1,200 a year for books, training courses and conferences

#LI-JS1

📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance  + benefits 
Hybrid model: 3 days a week in the office

About our Engineering Teams:

We have over 650 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.

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.

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:

💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance  + benefits 

📍Barcelona, Spain

⏰ 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 €1,200 a year for books, training courses and conferences

#LI-JS1

📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance  + benefits 
Hybrid model: 3 days a week in the office

About our Engineering Teams:

We have over 650 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.

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.

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 L40 Engineers at the moment, you can read more in our Engineering Progression Framework you will be interviewed across the whole framework, so if you're not sure what level you're aiming for chat to your recruiter! 

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:

💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance  + benefits 

📍Barcelona, Spain

⏰ 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 €1,200 a year for books, training courses and conferences

#LI-JS1

📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + benefits | Hybrid model: 3 days a week in the office

About our Engineering Teams:

We have over 650 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!

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 product squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are; Money, Borrowing, Fincrime, Customer Operations, Platform, Personal Banking & Business Banking. 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.

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 

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:

💰Base salary range for this role is depending on experience + equity + stock options & benefits 

📍Barcelona, Spain

⏰ 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 €1,200 a year for books, training courses and conferences

#LI-JS1

📍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). 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 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 650 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.

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