Looker Jobs in Cardiff.
All active Looker roles based in Cardiff.
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🚀 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 ❤️
📍London | UK remote | 💰 £55,000 to £75,000 + Incentive Awards tied to your performance + Benefits | Hear from the team
About our Data Science Team:
We're looking for a Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 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 four and half million customers in the UK, with over 100,000 new people joining every month. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.
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
We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into one product squad alongside engineers, designers, marketers, product managers etc.
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 average process takes around 2-3 weeks but we will always work around your availability.
You will have the chance to speak to our recruitment team at various points during your process but if you
do have any specific questions or want to talk through reasonable adjustments ahead of or during application please us at any point on tech-hiring@monzo.com
What’s in it for you:
💰 £55,000 to £75,000 + 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
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.
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 😊
Ready to apply?
Apply to Monzo
🚀 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 ❤️
📍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
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 😊
Ready to apply?
Apply to Monzo
Senior Data Analyst, Financial Health
Share this job
📍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
Ready to apply?
Apply to Referrals Only
🚀 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 ❤️
📍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:
- Recruiter call
- Initial hiring manager call
- Take-home task
- 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
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 😊
Ready to apply?
Apply to Monzo
Senior Workforce Management Analyst, Fixed Term Contract
Share this job
🚀 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 ❤️
📍London, Cardiff or Remote (UK) | 💰£40,400 to £51,050 + Benefits
⭐ Our Workforce Management (WFM) team
This is an excellent opportunity to step into a key Senior WFM Analyst role on a 9-month fixed-term contract. You'll report to the WFM Service Manager and be instrumental in using data-driven insights to perfectly staff our customer operations and service teams.
You will be crucial in predicting our resource needs, proactively identifying risks, and translating those findings into clear, actionable strategies for our senior leaders. You’ll be a guiding voice for leaders, constantly improving WFM processes, and collaborating closely with Operations, People, Hiring, and L&D to boost efficiency and enhance the customer experience at Monzo.
🔑 You’ll play a key role...
- Preparing clear, concise, and actionable executive-level reports and presentations on WFM performance, trends, and resource requirements for senior leadership.
- Analysing large datasets, identifying patterns and trends, and communicating key insights to stakeholders. You'll use Google Sheets and Looker to create visualisations and reports, with a basic knowledge of BigQuery being a bonus.
- Creating and reviewing shift offerings to support business growth and improve our flexible working employee rating.
- Showing the operational impact of supply and demand for potential changes to shift patterns across all required domains.
- Working closely with the forecasting, People, Operations, and WFM data teams to continuously improve schedule quality, shift offerings, and reduce errors.
- Ensuring holiday utilisation remains within budget and at expected quarterly levels, factoring in seasonality.
- Deep-diving into schedule issues to improve schedules, reduce manual amendments, and increase schedule automation per domain.
- Managing mappings, service goals, and overall Verint backend configuration and setup.
- Collaborating with the People team (for FWRs), Hiring, L&D (for New Hires), Operations (for schedules, skills, and shifts), and Forecasting for schedule accuracy.
🤩 We’d love to hear from you if…
- You have demonstrable experience in workforce management, ideally in a fast-paced, high-growth environment (e.g., technology, customer support, operations).
- You possess expertise in WFM software and tools, with Verint experience preferred.
- You have strong proficiency in Google Sheets (advanced formulas, pivot tables, and data analysis).
- You have experience presenting complex data to executive leadership and influencing decision-making through clear, strategic communication.
- You have excellent analytical skills with the ability to synthesise data, identify trends, and translate insights into actionable strategies.
- It's a bonus if you have familiarity with Looker, basic knowledge of BigQuery, or experience with scenario planning, resource modelling, and strategic capacity planning.
- You can work autonomously, manage multiple priorities, and thrive in a dynamic environment.
Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!
🙌 What’s in it for you
💰 £40,400 - £51,050 + Benefits
⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.
📚 £1,000 learning budget each year to use on books, training courses and conferences.
🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.
➕ Plus lots more! Read our full list of benefits.
🌈 The application journey has 4 key steps
- Application Questions
- Recruiter Call
- Take home task
- Final stage interview (Presentation + interview questions)
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 #LI-MY1
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 😊
Ready to apply?
Apply to Monzo
Senior Credit Analyst, Flex
Share this job
📍Cardiff, London or Remote (UK) | 💰 £76,500 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
Our team
Our Borrowing Collective is building innovative, responsible lending products that give customers greater transparency, flexibility, and control over their money. You’ll be working on Monzo’s credit card products, helping to design, optimise, and grow our lending strategies.
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
Bonus points if you have:
- Experience working in a regulated UK lending environment
- Exposure to IFRS9, stress testing, or capital modelling
- Experience in experimentation or strategy testing frameworks
- Experience working on business lending products
We're on the look out for L40 Senior Credit Analysts at the moment, you can read more in our Data Progression Framework
Interview process
Our typical process is structured as:
- Recruiter call
- Initial hiring manager call
- Take-home task
- 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.
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
#LI-LG1 #LI-Remote
Ready to apply?
Apply to Referrals Only
🚀 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 ❤️
📍 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
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 😊
Ready to apply?
Apply to Monzo
Senior Forecasting Modeller
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📍London | 💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
Our Capital, Impairments & Forecasting Team
Our Capital, Impairments & Forecasting team (CIF) sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.
Within CIF, we are scaling up our Forecasting modelling and execution team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of forecasting and stress testing models across both well established and emerging products. Additionally the successful individual will have a key role in executing these models across high profile budgeting & stress-test exercises and building up our toolkit to quantify the impact of various strategic decisions for senior management.
Strong data and analytical skills are a must, as is experience in credit risk modelling. Prior experience developing credit risk forecasting models is desirable, but relevant model development / validation experience in IRB modelling, IFRS9 or scorecard models will also be considered. Experience as a ‘model user’ of forecasting models in the context of budgeting or stress-testing would be helpful but is not required.
We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):
- Google Cloud Platform for all of our analytics infrastructure
- dbt and BigQuery SQL for our data modelling and warehousing
- Python for data science and predictive modelling, model implementation and data visualisation (via streamlit)
- Github for version control
Your day-to-day responsibilities:
- Assist with continuous improvement of forecasting models via new developments or recalibrations.
- Construction of grounded overlays, where required, to quantify effects of future strategy changes or address known model limitations
- Furthering the development and execution of forecast model monitoring to inform an effective prioritisation of model improvements
- Presenting forecast model results to senior management
- Close collaboration with portfolio strategy, model validation, finance and external audit teams
You should apply if:
- You have a background in forecast modelling or execution
- You have relevant experience in the development and implementation of credit models (e.g IFRS9 / Forecasting / IRB)
- You have strong analytical skills and a track record of using these to deliver technical projects
- You have a solid technical toolkit. SQL and Python are our desired coding languages but experience in SAS/R will be considered. A data visualisation tool (such as Streamlit or Looker) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
- You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
- 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
The Interview Process:
Our interview process involves 4 main stages:
- Initial call with a member of the Forecasting team
- Technical modelling interview
- Values and collaboration behavioural interview
- A live case study problem solving interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits
📍 London (one to two days a week)
✈️ We can help you relocate to the UK
✅ We can sponsor visas
⏰ 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
Ready to apply?
Apply to Referrals Only
IFRS9 Modeller
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📍London | 💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
About our Capital, Impairments & Forecasting Team
Our Capital, Impairments & Forecasting team sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.
We are scaling up our Impairments modelling team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of IFRS 9 models (PD, LGD, EAD, macroeconomic models) across both well established and emerging products. Additionally the successful individual will have oversight of model performance, construction of PMAs/model overlays where required, model implementation, and impairment analytics for senior management.
Strong data and analytical skills are a must, as is experience in credit risk modelling and IFRS 9 provision methodology. Prior experience developing IFRS 9 models is desirable, but model development experience in IRB modelling, stress testing or scorecard models will also be considered.
We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):
- Google Cloud Platform for all of our analytics infrastructure
- dbt and BigQuery SQL for our data modelling and warehousing
- Python for data science and predictive modelling, and model implementation
Your day-to-day responsibilities:
- Assist with end-to-end development and maintenance of IFRS 9 models (PD, EAD, LGD)
- Construction of post-model adjustments / model overlays as and when required
- Implementation of new models
- Development and maintenance of economic-response models for scenario simulation and impairment
- Enhancement of model monitoring and month-end ECL reporting and analytics
- Presenting modelling results to 1LOD and 2LOD risk forums/committees
- Close collaboration with portfolio strategy, model validation, finance and external audit teams
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! 💼
You should apply if:
- You have a background in IFRS 9 impairments
- You have end to end experience in the development and implementation of credit models (e.g PD, LGD, EAD).
- You have experience in monitoring ECLs and conducting driver analyses
- You have strong analytical skills and a track record of using these to deliver technical projects
- You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
- You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
- 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
The Interview Process:
Our interview process involves 4 main stages:
- Initial call with a member of the impairments team
- Technical IFRS 9 interview
- Values and collaboration behavioural interview
- A live case study problem solving interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits
📍 London (one to two days a week)
✅ We can sponsor visas
⏰ 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
Ready to apply?
Apply to Referrals Only
Credit Analyst
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📍London or Remote (UK) | 💰 £58,000 to £78,000 + 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.
Your day-to-day:
- 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! 💼
You should apply 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 Credit Analysts (L30) at the moment, you can read more in our Data Progression Framework
The interview process:
Our interview process involves 4 main stages:
- Recruiter call
- Initial call
- Take home task
- Final stage (x3 interviews) consisting of a case study, role specific interview and collaboration interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £58,000 to £78,000 + 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
➕ And much more, see our full list of benefits here
#LI-LG1 #LI-Remote
Ready to apply?
Apply to Referrals Only
🚀 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 ❤️
📍London or Remote (UK) | 💰 £58,000 to £78,000 + 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.
Your day-to-day:
- 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! 💼
You should apply 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 Credit Analysts (L30) at the moment, you can read more in our Data Progression Framework
The interview process:
Our interview process involves 4 main stages:
- Recruiter call
- Initial call
- Take home task
- Final stage (x3 interviews) consisting of a case study, role specific interview and collaboration interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £58,000 to £78,000 + 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
➕ And much more, see our full list of benefits here
#LI-LG1 #LI-Remote
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 😊
Ready to apply?
Apply to Monzo
Senior Data Scientist
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📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team
About our Data Science Team:
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 in 2025 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
We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc.
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:
What we’re doing here at Monzo excites you!
- 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:
- Recruiter Call
- Initial Call
- Technical Interview
- 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:
💰 £80,000 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
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
Ready to apply?
Apply to Referrals Only
Lead Data Scientist
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📍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
Ready to apply?
Apply to Referrals Only
🚀 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 ❤️
📍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
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 😊
Ready to apply?
Apply to Monzo
Senior Data Scientist - Marketing and Growth
Share this job
🚀 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 ❤️
📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team
About our Data Science Team:
We're looking for a Senior Marketing Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our marketing strategy in 2025 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 Marketing, Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. This role is within our Marketing function within Growth. Join us and be part of shaping our future!
What you’ll be working on
You will work together with other data scientists, analysts and analytics engineers as well as marketing managers on powering our marketing function within Growth. Our key goal is increasing volume and value.
Your day-to-day
- Applying your expertise in marketing analytics, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our marketing campaigns and how those insights can inform our marketing strategy
- Guide and enable the performance marketing and brand team to measure things that matter; initiate or help run geo-lift experiments to keep improving everything we do
- Build and apply our marketing measurement and forecasting solutions to optimise and drive growth.
- Drive together with the finance team a unified company-wide understanding of the lifetime value of our new users and how different marketing campaigns are impacting user profitability
- Liaise with engineers to keep making sure we collect the right marketing measurement data to produce relevant business insights
You should apply if:
What we’re doing here at Monzo excites you!
- You’re passionate about marketing science and understand the causal impact marketing campaigns can have
- 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 geo-lift or A/B experiments
The Interview Process:
Our interview process involves three main stages:
- Recruiter Call
- Initial Call
- Technical Interview
- 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:
💰 £80,000 to £90,000 + 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
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
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 😊
Ready to apply?
Apply to Monzo
🚀 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 ❤️
📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team
About our Data Science Team:
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 in 2025 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
We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc.
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:
What we’re doing here at Monzo excites you!
- 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:
- Recruiter Call
- Initial Call
- Technical Interview
- 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:
💰 £80,000 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
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
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 😊
Ready to apply?
Apply to Monzo
🚀 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 ❤️
📍London | 💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
About our Capital, Impairments & Forecasting Team
Our Capital, Impairments & Forecasting team sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.
We are scaling up our Impairments modelling team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of IFRS 9 models (PD, LGD, EAD, macroeconomic models) across both well established and emerging products. Additionally the successful individual will have oversight of model performance, construction of PMAs/model overlays where required, model implementation, and impairment analytics for senior management.
Strong data and analytical skills are a must, as is experience in credit risk modelling and IFRS 9 provision methodology. Prior experience developing IFRS 9 models is desirable, but model development experience in IRB modelling, stress testing or scorecard models will also be considered.
We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):
- Google Cloud Platform for all of our analytics infrastructure
- dbt and BigQuery SQL for our data modelling and warehousing
- Python for data science and predictive modelling, and model implementation
Your day-to-day responsibilities:
- Assist with end-to-end development and maintenance of IFRS 9 models (PD, EAD, LGD)
- Construction of post-model adjustments / model overlays as and when required
- Implementation of new models
- Development and maintenance of economic-response models for scenario simulation and impairment
- Enhancement of model monitoring and month-end ECL reporting and analytics
- Presenting modelling results to 1LOD and 2LOD risk forums/committees
- Close collaboration with portfolio strategy, model validation, finance and external audit teams
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! 💼
You should apply if:
- You have a background in IFRS 9 impairments
- You have end to end experience in the development and implementation of credit models (e.g PD, LGD, EAD).
- You have experience in monitoring ECLs and conducting driver analyses
- You have strong analytical skills and a track record of using these to deliver technical projects
- You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
- You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
- 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
The Interview Process:
Our interview process involves 4 main stages:
- Initial call with a member of the impairments team
- Technical IFRS 9 interview
- Values and collaboration behavioural interview
- A live case study problem solving interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits
📍 London (one to two days a week)
✅ We can sponsor visas
⏰ 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 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 😊
Ready to apply?
Apply to Monzo
🚀 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 ❤️
📍London | 💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing
Our Capital, Impairments & Forecasting Team
Our Capital, Impairments & Forecasting team (CIF) sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.
Within CIF, we are scaling up our Forecasting modelling and execution team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of forecasting and stress testing models across both well established and emerging products. Additionally the successful individual will have a key role in executing these models across high profile budgeting & stress-test exercises and building up our toolkit to quantify the impact of various strategic decisions for senior management.
Strong data and analytical skills are a must, as is experience in credit risk modelling. Prior experience developing credit risk forecasting models is desirable, but relevant model development / validation experience in IRB modelling, IFRS9 or scorecard models will also be considered. Experience as a ‘model user’ of forecasting models in the context of budgeting or stress-testing would be helpful but is not required.
We rely heavily on the following tools and technologies (note we do not expect applicants to have prior experience of all them):
- Google Cloud Platform for all of our analytics infrastructure
- dbt and BigQuery SQL for our data modelling and warehousing
- Python for data science and predictive modelling, model implementation and data visualisation (via streamlit)
- Github for version control
Your day-to-day responsibilities:
- Assist with continuous improvement of forecasting models via new developments or recalibrations.
- Construction of grounded overlays, where required, to quantify effects of future strategy changes or address known model limitations
- Furthering the development and execution of forecast model monitoring to inform an effective prioritisation of model improvements
- Presenting forecast model results to senior management
- Close collaboration with portfolio strategy, model validation, finance and external audit teams
You should apply if:
- You have a background in forecast modelling or execution
- You have relevant experience in the development and implementation of credit models (e.g IFRS9 / Forecasting / IRB)
- You have strong analytical skills and a track record of using these to deliver technical projects
- You have a solid technical toolkit. SQL and Python are our desired coding languages but experience in SAS/R will be considered. A data visualisation tool (such as Streamlit or Looker) is a plus
- You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
- You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
- 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
The Interview Process:
Our interview process involves 4 main stages:
- Initial call with a member of the Forecasting team
- Technical modelling interview
- Values and collaboration behavioural interview
- A live case study problem solving interview
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits
📍 London (one to two days a week)
✈️ We can help you relocate to the UK
✅ We can sponsor visas
⏰ 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
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 😊
Ready to apply?
Apply to Monzo
Senior Data Science Manager, Business Banking
Share this job
London | UK remote | 💰 £126,000 to £160,000 + Benefits
About our Business Banking Team:
Our Mission in Business Banking is to simplify banking for small businesses - this means making business banking fairer, simpler, and more transparent for small businesses. Monzo Business Banking is fast growing and is the UK’s most recommended business account for overall service quality and used by 1 in 7 UK SMEs. Data is crucial to the success of this mission and product data scientists are the core of how we build and scale our data to Enable Monzo to Make Better Decisions, Faster, and help serve Monzo’s businesses.
As we scale Business Banking, we are hiring a Senior Data Science Manager to set product direction using data, strengthen commercial decision-making, and lead the evolution from analytics to AI and ML-enabled product capability in Business Banking.
You’ll be working in an ever changing environment in collaboration with the General Manager and BB Leadership team.
You’ll help us build and improve these for now and for our future roadmap. We’re looking for a leader with hands-on experience, data driven strategic leader who can bring fresh thinking and new ways to inspire the team and our customers.
What you’ll be working on:
- You’ll work closely with the General manager, product director, engineering managers, designers and researchers in an agile product environment.
- You will shape product strategy and prioritisation — making crisp recommendations on what to build, why, and how we’ll measure success.
- You’ll champion the use of data, bring ideas to life through rigorous experimentation and A/B testing.
- You’ll help build AI/ML-enabled product capability (where it’s the right tool), and ensure features are evaluated, launched, and monitored responsibly.
- You and your team will drive product innovation and you’ll get to see the impact of all your work in the product changes we make.
- You’ll bring commercial acumen to decisions — sizing opportunities, clarifying trade-offs, and helping leadership choose where to invest.
- You will be a key leader in building a discipline of exceptional data scientists and analytics engineers working on making Monzo world class in Business Banking, as well as having the opportunity to help your team’s career progression and development.
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.
You should apply if:
- You have multiple years of experience in product data science, with 3 or more years working in Senior or Lead positions within Data Science or Analytics.
- You have had experience managing high performing senior teams of 8-10 people
- You consider yourself an empathetic leader and have experience managing data scientists and analytics engineers and you really enjoy that part of the job.
- Proven ability to set direction and influence product strategy with data (not just analysis).
- Strong commercial judgement and comfort with trade-offs.
- Experience leading teams, with the ability to be hands-on when needed (IC-capable).
- Practical understanding of shipping/operating ML in a product environment (or leading teams that do).
- Strong stakeholder influence and clear, concise communication.
- You are comfortable exploring potentially ambiguous business problems and enjoy using data to drive decisions
- You have experience building relationships and working together and collaborating with senior business stakeholders and product teams
- Experience with working with c-level peers
- You know what it takes to lead top tier Data Science and Analytics Engineering talent talent
- You're familiar with using a variety of Data Science tools (from business intelligence, experimentation and causal inference through to machine learning), and coding languages (Python and SQL). You know when to pick the right tool, and can help others do the same
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!
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
- 3 x 1-hour video calls with various team members
Our average process takes around 3-4 weeks but we will always work around your availability.
What’s in it for you:
💰 £126,000 to £160,000 + 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-AE1 #LI-Remote
Ready to apply?
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