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 25th May 2026

#LI-DH1 #LI-REMOTE

📍London, Cardiff or UK Remote | 💰£100,000-£135,000 + Benefits | Research at Monzo 

About us:

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About our Research Team: We are currently a team of around 30 individual contributors, who are embedded in collectives like Core Banking and Business Banking. We work cross functionally with Product Management, Product Design, Marketing, Brand and Engineering teams. Our research organisation is led by Katherine Vaughan, our Director of Research. Katherine reports into Vuokko Aro, Monzo’s Chief Design Officer. 

About the role..

As Senior Market Research Manager, you’ll build and lead a team of Market Researchers embedded across Monzo. While you scale the team, you’ll be hands-on in delivering the deep customer and market insights that shape our product and growth strategies. You’ll champion robust market research and scale its impact to help us make money work for everyone. While our existing team excels at understanding our current users, you will be the expert on the non-user and the wider market, bridging the gap between where we are today and where we want to grow.

What you’ll be working on

Impacting strategy 

• Partner with leadership to make sure teams are solving the right customer problems in the right ways based on market understanding.
• Deepen our understanding of Monzo’s diverse user base to make sure products resonate across different needs and behaviours.
• Lead competitive analysis and shape value propositions to tailor our brand voice for new global markets.
• Making sure your research team is working on the highest impact opportunities
• Translating market insights into commercial opportunities.
• Increase visibility of insights, making sure action is taken as a result across the organisation.

Doing market research

• Doing and enabling primary qualitative and quantitative studies to analyse competitors, macro trends, pricing, and brand perception.
• Use quantitative methods like conjoint analysis, MaxDiff, and segmentation to help us sharpen and prioritise our plans (making use of Qualtrics or partnering with Data when relevant).
• Test and refine messaging and product positioning to ensure they resonate in market.
• Effectively partnering with external agencies when needed.

Leading people  

• Building the future of the Market Research discipline at Monzo.
• Managing our first team of Market Researchers, supporting 1-3 direct reports.
• Partnering with our Research Operations team to set the standard for the tools and processes needed for our Market Research discipline.
• Continually raising the standard of market research.
• Hiring brilliant, diverse people and ensuring they are onboarded to be quickly effective.

You should apply if:

You’ve enabled product and growth strategy, ideally in a high growth org 

• You're passionate about understanding the market and finding new opportunities to innovate.

• You’ve had experience building or informing go-to-market strategies and driving  sustainable growth through strategic thinking.
• You drive projects forward through clear communication and a focus on high-impact outcomes.
  
  

You have market research expertise 

• You’ve used market research methods, including branding, advertising, and growth marketing research in a high growth product or technology organisation.

• You are able to triangulate a range of insights (brand tracking data, user insights etc) into a compelling source of truth that helps others move forward effectively.
• You are comfortable with advanced quantitative analysis techniques, such as conjoint analysis, max-diff scaling, clustering and segmentation. 
• You blend qual and quant rigorously and thoughtfully.
• You're comfortable in modern research tech stacks and can independently drive analysis from raw data if needed. 

You lead people to do their best work

• You have experience coaching non-researchers on how to effectively use market insights.
• You are an empowering manager who balances high autonomy with supportive coaching and kind, clear performance management where needed.

Even better if 

• You’ve enabled successful international expansion, you’ve helped scale a high-growth agile tech org, or you’ve worked in B2B as well as B2C.

🙌What’s in it for you

💰£100,000-£135,000 ➕share options.

✅ 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 Interview Process: 

Our interview process involves 3 main stages: 

1. Recruiter call (30 minutes). A video chat with Natalie who is part of our hiring team. This focuses on general suitability for Monzo. 
2. Research Leadership Ways of Working (60 minutes). You will be sent a pre-interview task by the hiring team, which you will discuss in the interview, followed by situation questions.
3. Final loop (Total 1hr 30-2 hours). Split into 2 interviews - Managing teams & People + Teamwork & Impact

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

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

Equal opportunities for everyone 

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

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

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

#LI-NH1

📍Cardiff, London or Remote (UK)  | 💰 £76,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

About our Financial Health Team:

We are scaling up our Data and Credit team to support the rapid growth and evolution of our portfolio. We are looking for a Senior Data Analyst to join our Financial Health squad who are focused on supporting customers in financial difficulty. 

As a Senior Data Analyst, you’ll be working in collaboration with Product, Data Science and Analytical Engineering peers on data-driven insights and initiatives. We’re looking for an experienced Senior Data Analyst with hands-on experience who can bring fresh thinking and new ways to inspire the team and our customers.

What you’ll be working on:

As a Senior Data Analyst you will partner with Product Managers, Engineers, and Data Scientists in an agile product environment. You’ll champion the use of data and bring ideas to life through a rigorous analytical approach. Your work will focus on improving the support we offer to customers in financial difficulty, ensure our operational processes are well controlled and we meet regulatory requirements.

At Monzo we believe there’s a better way to do banking - we care deeply about our customers, are innovative and execute quickly. 

Our mission is to revolutionise the way people manage their finances by putting them in control and promoting their financial wellbeing. Our Borrowing business is growing rapidly (both on our existing products, and with the planned launch of new products). We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal. 

Your day-to-day:

• Generate insights that can drive the direction of our Financial Health strategy through proactive analysis
• Bring data-driven rigour to our approach to product development and build a strategic understanding of the business while structuring complex projects to bring them to life
• Work and advise on Financial Health’s global expansion strategy
• Develop and maintain Looker dashboards, reports and metrics that assess business and customer outcomes within Financial Health
• Ensure accurate reporting to third parties and regulators
• Build and maintain controls to ensure our business processes are running as intended 
• Lead projects to improve the accuracy, efficiency and accessibility of our data

Locations & flexible working:

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! 💼

Our technology stack:

Our Data team's mission is to Enable Monzo to Make Better Decisions, Faster

At the core of this mission sits our data platform. We're great believers in powerful, real-time analytics and empowerment of the wider business. Our engineers collect analytics events from their microservices, and upload these into our Data stack for analysis. We optimise for simplicity and re-usability – all our data lives in one place and is made available via our data warehouse in Google BigQuery.

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

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

You should apply if:

• What we’re doing here at Monzo excites you!
• You are passionate about using data to improve and inform business decisions
• You’re motivated by solving challenging problems, and communicating and collaborating closely with subject matter experts on those solutions
• You’re excited by the opportunity to work autonomously to impact the future of a fast growing, ever evolving business
• You’re as comfortable getting hands-on as taking a step back and thinking strategically
• You are experienced with using a variety of Data Analysis tools. You know when to pick the right tool, and can help others do the same
• You have a solid grounding in SQL 
• Experience in Financial Health is a plus, but not required.

We're on the look out for L40 Senior Data Analysts at the moment, you can read more in our Data Progression Framework

The interview process:

Our interview process involves 4 main stages. We promise not to ask you any brain teasers or trick questions!

• 30 minute recruiter call 
• 45 minute initial call 
• Take home task
• 2 x 1-hour video calls, including a technical case study

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

What’s in it for you:

💰 £76,000 to £95,000 + Incentive Awards tied to your performance + 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-LG1  #LI-Remote

📍Cardiff, London or Remote (UK)  | 💰 £76,500 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

Our team

Our Borrowing business is growing rapidly across both existing products and the planned launch of new initiatives. Flex is an innovative credit card that gives our customers unprecedented visibility and control over their spending, offering features like flexible instalment plans and instant app management. If you are passionate about using data and agile technology to solve real-world financial problems and create a genuine feel-good factor around borrowing, this is your chance to contribute to a product that is defining the future of flexible finance.

This is a high-impact, cross-functional environment where you’ll partner closely with Product, Engineering, Data Science, Finance, and Risk & Control to deliver sustainable, profitable, and responsible growth across our credit card offerings.

You’ll operate at the intersection of credit risk, commercial performance, and customer experience, ensuring Monzo’s credit card products remain sustainable, competitive, and customer-focused as they scale.

Your day-to-day

As a Senior Credit Analyst, you’ll play a critical role in shaping Monzo’s credit strategy across credit card products. Your responsibilities will include:

• Design and refine credit underwriting and limit strategies to optimise risk and growth
• Analyse portfolio performance (arrears, utilisation, revenue, losses, vintage curves) and identify actionable insights
• Build and interpret NPV and profitability models to inform strategic decisions
• Develop segmentation frameworks to identify revenue and risk pressure points
• Lead analytical deep-dives into portfolio trends and emerging risks
• Partner with Product and Engineering teams to design and test new features and strategy changes
• Evaluate the commercial and customer impact of pricing, eligibility, and limit decisions
• Present clear, structured recommendations to senior stakeholders
• Support regulatory and governance requirements, ensuring strategies align with policy and risk appetite

Locations & flexible working: 

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! 💼

You should apply if

You have:

• Experience in unsecured lending, ideally within credit cards
• A strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses). Experience of modelling rewards cards is a plus.
• Experience building or influencing credit strategies (e.g. underwriting, limit management, pricing)
• Strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus
• Experience working with NPV models, profitability analysis, and portfolio forecasting
• Confidence communicating complex analysis clearly to non-technical stakeholders
• Experience collaborating cross-functionally in a fast-paced environment
• An interest in balancing risk, growth, and customer outcomes

We're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our Data Progression Framework

What’s in it for you

💰£76,500 to £95,000 + Incentive Awards tied to your performance + 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

Interview process

Our typical process is structured as:

1. Recruiter call
2. Initial hiring manager call
3. Take-home task
4. Final interviews - (3x) including case study, role-specific, and behavioural interviews

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

#LI-LG1  #LI-Remote

📍 Barcelona, Spain | 💰€93,500 - €126,500 + Benefits | Hear from the team ✨

⭐Our Borrowing team

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them 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. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely. 

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

⭐ Our Analytics Engineering team

Our Analytics Engineering discipline works in the intersection between data, engineering and our collectives - Money, Borrowing, Operations and Financial Crime and beyond. 

The AE teams are responsible for building downstream data models from backend services with the desire to make our Data Warehouse a genuine competitive advantage for Monzo. We want a discipline capable of building a reliable and scalable Data Warehouse to support decision making in a cost effective and performant manner. 

Managers within Data have two primary responsibilities; people and technical products. Your focus will be on helping engineers with their personal and professional development, listening and guiding them through hard times and celebrating their successes. You will also be leading and participating directly in technical initiatives and helping Monzo shape its Data organisation, ensuring the team focuses on valuable work, shipping things with a level of care and attention to detail.

There will be a strong focus on delivering best practice across all of our data discipline and helping bring a new level of maturity around Data Governance principles, working in collaboration with others to deliver this.

🔑 You’ll play a key role by...

Working in a multi-disciplinary team, you will:

• Be a hands on leader in building a discipline of exceptional analytics working to make Data at Monzo the gold standard within the industry.
• Nurture between 6  and 7 engineers, supporting, coaching and developing high performing engineers through regular 1:1s, continuous feedback and relationships with others.
• Aid prioritisation of initiatives and projects, working closely with other leads for each of our Monzo collectives.
• Be hands on through participating in the review cycle, architecture and design leadership and development of your own changes to the pipelines
• Be part of the hiring team within Analytics Engineering
• Work closely with other leads to deliver a scalable, consistent approach to governance and best practices.
• Drive effective project management of central Analytics Engineering projects, ensuring they’re well scoped and delivered to deadlines.
• Establish yourself as a trusted partner to various collectives and the leadership team, with the capacity for getting things done, be it either hands-on or by leading others.
• We all own and support the pipelines we contribute to, and on call support out of hours will be expected from time to time as part of this role

🤩 We’d love to hear from you if…

You have experience managing or mentoring the performance and development of high-performing engineers.

• You have strong experience in data warehousing architecture at scale
• You have experience and a passion for leading data warehousing, data visualisation, big data or ETL projects as an analyst, developer, designer or architect.
• You know what it takes to hire great engineers within the data space.
• You’re equally comfortable working hands on and leading a team.

Nice To Haves:

• Any experience working within a finance or banking environment
• Experience working in a highly regulated environment (e.g. finance, insurance, gaming, food, health care).
• Experience with any of our stack of dbt, BigQuery and Looker

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything thats listed just yet. Drop us your application, we’d love to hear from you!

🙌 What’s in it for you

💰Base salary range for this role is dependent on experience + benefits 

📍Barcelona, Spain

⏰ 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 Call

Initial Call

Final Loop (3 sessions - case study, collaboration and people leadership)

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.

For more insight into the AE team at Monzo, check out our podcast with John Azzopardi one of our Senior Leaders in AE 

#LI-AS #LI-Remote

📍London/Cardiff/UK Remote | 💰circa £100,000 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨

⭐Our Legal team

We’re looking for a Senior Legal Counsel to join our team at Monzo, to help us build one of the best, most innovative banks in the world. You will report to Monzo’s Director of Legal Payments & Business Banking, be part of the Legal and Board Governance Collective, and work with a team of product lawyers to give first rate legal advice and support to Monzo’s Product Collective, including areas like business banking and merchant payments. 

In this role, you’ll work closely with Monzo’s product collectives to build and deliver business banking and merchant payment products, and support the team in making money work for everyone. 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 and Compliance. You will be the ‘go to’ for all things legal and regulatory, and an important part of a team trying to improve our customers’ financial lives. 

🔑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. 
• In particular, you will: 
• Partner with product managers to advise on legal matters relating to business banking and merchant payments (including issues relevant to providing our services to SMEs) and advise on the legal and regulatory requirements for a growing bank.
• Support Monzo with the operational and product changes needed to offer point of sale (POS) and online card payment acceptance to our business banking customers. 
• 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 on Monzo or our customers.
• Often act as the sole lawyer advising product managers or other colleagues (with support behind the scenes from more senior lawyers) and therefore act autonomously, take ownership of matters, 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 Payments & Business Banking, General Counsel of Monzo Bank Limited and the other members of the UK Legal team to provide legal advice and commercial insights 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 work with Monzo’s Director of Legal Payments & Business Banking, other lawyers and compliance to identify legal and regulatory risks relating to existing and new products, ensure robust challenge and scrutiny of product changes as they go through Monzo’s governance process and to ensure that the businesses you support respond appropriately to new and changed legal and regulatory requirements. 
• You’ll support Monzo’s global product development work by coordinating the legal review of products by collaborating with legal teams in the EU and US to identify local legal and regulatory requirements.
• You’ll work with colleagues across the Legal and Board Governance collective to improve the management of the activities of the legal team, including through identifying suitable technology solutions to streamline workflows, optimise processes and work 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 working in the banking and finance sector. 
• You have a strong background advising on commercial and regulatory issues relating to banking products with specific knowledge and experience evidenced in business banking (including company law and insolvency aspects) and merchant acquiring. 
• You are a strong communicator who can provide clear, precise, and practical legal advice, effectively articulating what is relevant and important in a concise manner. 
• You can take a position on key issues, present persuasive recommendations, and constructively drive consensus among senior stakeholders.
• You have excellent organisational skills and attention to detail, with the ability to prioritise and work effectively and independently under tight deadlines across multiple projects.
• 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 application journey has 3 key steps

• Recruiter call
• Initial call 
• Full loop: 
• Role specific interview
• Behavioural interview

🙌 What’s in it for you

💰 circa £100,000 & benefits 

✈️ We can help you relocate to 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

#LI-DH1 #LI-REMOTE

📍London or Remote (UK) | 💰 Base salary for this role is £110,500 - £145,000 + Incentive Awards tied to your performance + Benefits 

Engineering Management at Monzo:

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

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

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

The Role

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

You’ll spend your time:

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

You should apply if:

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

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

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

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

How we work 💻:

Locations & Flexible Working : 

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

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

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

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

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

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

Work the way that works for you with Monzo! 💼

The interview process:

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

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

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

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

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

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

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

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

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

What’s in it for you:

💰Base salary range for this role is between £110,500 - £144,000 depending on experience + Incentive Awards tied to your performance + Benefits 

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

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

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

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

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

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

#LI-AL1 #LI-REMOTE

📍London or Remote (UK) | 💰 £130,000 - £165,000 + Equity + Benefits 

About the Role 

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

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

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

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

Is this role right for you?

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

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

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

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

How we work 💻:

Locations & Flexible Working : 

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

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

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

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

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

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

Work the way that works for you with Monzo! 💼

The interview process:

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

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

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

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

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

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

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

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

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

What’s in it for you:

💰Base salary £130k - £165k + Equity + Benefits

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

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

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

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

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

#LI-Remote #LI-AL1

📍London / UK Remote | 💰 £135,000 - £184,000 + Share Options | Benefits | Technology 

Senior Staff Engineer: L70 on our Engineering Progression Framework

About our Engineering Teams:

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

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

Senior Staff Engineer Responsibilities:

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

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

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

We rely heavily on the following tools and technologies:

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

🤩We’d love to hear from you if… 

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

🙌What’s in it for you

💰£140,000 - £184,000 ➕ share options.

✈️ We’ll help you relocate to the UK.

✅ We can sponsor your visa. 

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

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

📚£1,000 learning budget each year to use on books, training courses and conferences.

🏡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

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

🌈 The application journey has 4 key steps

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

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

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

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

#LI-Remote

#LI-ZM