📍 London/Cardiff/UK Remote | 💰£106,000 - £140,000 + Incentive Awards tied to your performance + Benefits  ✨

Our Fincrime team⭐

We’re looking for a brilliant Financial Crime Business Banking Senior Manager to drive forward our strategy for Monzo’s Business Bank. You’ll manage a fantastic group of FinCrime Analysts working in cross-functional teams to build and iterate controls, maximising financial crime prevention while delivering best in class customer experience. 

We need someone who really understands the Financial Crime regulatory framework, products and crime typologies for Business Banking, and has expert knowledge in how to develop controls to ensure Monzo remains compliant and can most effectively detect and prevent all types of Financial Crime. You’ll be an exceptional stakeholder manager, bringing others along on a journey to deliver huge impact. You’ll be an incredible people manager who cares deeply about people development and coaching. You’ll thrive on delivering through others and will pour effort into your people to get the best possible results.

You should know that we fight Financial Crime a little differently at Monzo. Your team will work with dedicated Financial Crime engineers, data scientists and machine learning experts, which helps us to spot, assess and prevent crime quickly. We choose not to split out different areas of crime, either. Instead we tackle all Financial Crime together as one team. That includes AML, fraud, sanctions breaches, terrorist financing, bribery and corruption and tax evasion. 

🔑 You’ll play a key role by...

• Managing a team of specialist Fincrime risk owners to implement our fincrime strategy across the Business Bank as it develops new products (including Cash Deposits, Acquiring and Expense Cards) and expands to new markets in the European Union
• Building, developing and leading high impact teams, identifying opportunities for attaining and growing skills
• Owning the strategy for building financial crime prevention for Monzo’s Business Bank
• Developing strategic relationships with Fincrime and Fraud experts, Business product owners and Senior Execs to provide expert Fincrime knowledge and help define business requirements
• Suggesting, developing, implementing and monitoring industry leading fincrime detection capabilities alongside data scientists, machine learning experts, product management and engineers across multiple teams
• Providing expert knowledge to support the development of Fincrime systems to effectively manage Business Banking risks in multiple jurisdictions
• Building a close relationship with our Fincrime operations teams, ensuring sufficient communication and knowledge sharing on risks
• Defining and interpreting key measures and metrics on the performance of key systems and reporting this to relevant committees on an ongoing basis
• Identifying the highest priority issues or problem areas and working with other members of the Fincrime Team to drive forward solutions.

🤩 We’d love to hear from you if…

• You’re a brilliant people manager who invests time, care and attention to ensure skills development and best in class delivery
• You have significant knowledge of how to manage Financial Crime and Fraud risks in business and commercial banking
• You have been involved in the implementation of controls for Business-specific products and features including Merchant Acquiring, Cash Deposits and Borrowing
• You have worked with mature Fincrime systems to effectively manage risks across different products in different locations across the European Union
• You’ve got experience working closely with product managers, engineers, data scientists and identifying operational requirements
• You have experience of leading a wide range of Fincrime professionals and technical experts
• You are passionate about Fincrime, Monzo and putting customers first
• You enjoy working efficiently in a fast-paced, high-volume environment and thrive when there’s ambiguity
• You're great at explaining processes and complex technical requirements to people
• You’re keen to get stuck in and make things happen, without waiting for someone else or always needing to delegate
• You’re comfortable working with data and using it to come up with recommendations

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

💰 £106,000 - £140,000 ➕Incentive Awards tied to your performance.

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

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

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

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

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

🌈 The application journey has 3 key steps

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

This process should take around 4-5  weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

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

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

#LI-REMOTE #LI-OS1

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

About us:

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

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

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

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

About the role..

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

What you’ll be working on

Impacting strategy 

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

Doing market research

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

Leading people  

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

You should apply if:

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

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

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

You have market research expertise 

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

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

You lead people to do their best work

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

Even better if 

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

🙌What’s in it for you

💰£100,000-£135,000 ➕share options.

✅ We can sponsor your visa. 

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

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

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

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

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

The Interview Process: 

Our interview process involves 3 main stages: 

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

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

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

Equal opportunities for everyone 

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

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

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

#LI-NH1

London | 💰Competitive Salary + Incentive Awards tied to your performance + Benefits  ✨

Our Executive & Board Hiring team⭐

Our Executive & Board Recruiting team helps find, engage and hire the next generation of leadership and board talent for Monzo globally. We are a small, dedicated team of leadership recruiting experts, based out of London but with a global reach. Monzo continues to grow and we are looking for an Executive Researcher to join the team.

Executive & Board Recruitment at Monzo

Monzo is known for its innovative marketing, and beloved products and services - and for the people behind them.

As part of our “People Collective” team, you're charged with finding the most interesting candidates who bring an entrepreneurial spirit, a sense of scrappiness and a diversity of thought to all they do. You're responsible for engaging executive and board candidates to our hiring process and connecting them to the magic of working at Monzo.

You are creative and driven, with an interpersonal savvy that allows you to develop lasting relationships with candidates, recruiters and hiring managers. You're also comfortable with numbers and drawing insights from analytics to make our hiring process smarter and more efficient. From generating pipelines to enriching the search process with market and talent insights, you are confident in a room with senior stakeholders advising on talent and market trends and taking ownership of candidate pipelines. It’s really important that you are adept at keeping an eye on market trends, bringing in-depth credible knowledge and research to every process. Organised and thoughtful in your approach, you will work across multiple collectives and so curiosity and an ability to learn quickly is key. You are data-led, always looking to iterate for process improvement and experienced at designing thorough and creative search strategies. By leveraging your knowledge of our clients' hiring needs and search requirements, you effectively match candidates with the roles in which they will be most successful.

The Executive & Board Recruitment team at Monzo is an exciting and focused group - supporting all hiring at ExCo and Board level, across all parts of the organisation. Our work is focused solely on the most critical leadership roles. You work closely with our Boards, ExCo, and other leaders across every function. 

To be part of this team takes a special person. We are trusted advisors to the leadership at Monzo with a deep understanding of the external talent landscape. With a strong perspective on the external talent landscape and deep insights into Monzo’s business priorities, you will develop search strategies and lead engagements to position Monzo for success today and well into the future.

At Monzo, our bar is high; your job is not to just find the most highly-skilled talent on the market, but also those that will work well in the incredibly unique and valuable Monzo culture. You have the drive, motivation and passion to disrupt the talent landscape and deliver incredible client and candidate experience. Most importantly, you will have the intellectual curiosity, problem solving capability and drive to build a qualified, representative leadership bench at Monzo.

🔑You’ll play a key role by...

As a Senior Executive Researcher on the Executive & Board Recruitment team at Monzo, you will act as a trusted adviser on finding and hiring leadership and board talent who will help build, and deliver our innovative products that make money work for everyone. We are seeking creative, analytical and resourceful individuals with a passion for research and developing relationships, and who have the ability to listen and understand the goals of candidates and our hiring teams. You will play the role of a senior talent scout, tapping into various tools and resources to uncover the best talent in the market and matching them with the roles to which they are best aligned.

• Leading the design of Monzo’s executive sourcing framework — setting standards for research, mapping, and candidate engagement.
• Partnering with Executive Recruiters on live searches, co-owning the sourcing and research strategy, and ensuring smooth collaboration.
• Designing and embedding a framework for recruiter-sourcer partnership (e.g., role kick-offs, milestone check-ins, stakeholder touchpoints, feedback loops).
• Building succession pipelines for C-suite and board roles, prioritising where you spend your time for impact.
• Creating and maintaining in-depth market maps of leadership talent in market, and adjacent industries.
• Acting as a trusted research advisor to recruiters and senior stakeholders, bringing deep market insights and competitive intelligence.
• Championing diversity and inclusion by ensuring all pipelines and market maps reflect Monzo’s values and DE&I goals.
• Building and maintaining long-term relationships with senior leadership talent for both immediate and future opportunities.
• Contributing to projects that establish Monzo as a benchmark for executive and board hiring excellence.
• Innovate to improve the efficiency and effectiveness of our systems and processes - not just incremental improvements, but also “moon shots” that fundamentally change how we approach executive search at Monzo.

🤩 We’d love to hear from you if…

• You have significant experience sourcing and researching at the executive or board level, either in-house or in a top-tier executive search firm.
• You’ve led or built sourcing/research frameworks and want to apply that expertise to continue to shape an inhouse function.
• You’ve been involved in succession planning or proactive pipeline building for senior leadership roles.
• You have a track record of partnering effectively with executive recruiters, and ideally have experience shaping recruiter-researcher ways of working. You are a collaborative team player, with a track record of maximizing team as well as individual performance.
• You’re as comfortable designing strategy as you are executing the research behind it. You are highly experienced in creating search strategies, mapping markets, gleaning industry insights and being a champion of process and data quality.
• You bring credibility, discretion, and gravitas when partnering with senior stakeholders, bringing a high level of personal accountability, integrity and authenticity in everything you do. 
• You care deeply about diversity, inclusiveness, and delivering an exceptional candidate experience.
• You’ve worked in-house in a high-growth business and/or have exposure to financial services or technology industries, with ideally a passion for Fintech.
• Learning agility to get up to speed quickly on new markets and to run a thorough, best-in-class search process, including candidate research, outreach, engagement, and evaluation.

Personal Profile:

• You are passionate about Monzo’s mission of making money work for everyone.
• You have an entrepreneurial mindset, not afraid to challenge the status quo.
• You have the capability to think long-term and help shape our executive & board research strategy in line with global expansion objectives.
• You’re analytical, data-driven and thrive solving complex problems.
• You will have exceptional skill in articulating a search strategy and communicating market and candidate insights to a wide range of audiences and stakeholders. 
• You thrive with a high level of autonomy and responsibility.
• Demonstrated ability to creatively develop diverse pipelines, promoting an inclusive work environment.

🙌 What’s in it for you

💰 Competitive salary range ➕Incentive Awards tied to your performance.

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

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

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

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

🌈 The application journey has 3 key steps

• Recruiter Call
• Initial Call with Hiring Manager
• Two Loop stage interviews

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

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

#LI-DH1 

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

Our team

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

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

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

Your day-to-day

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

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

Locations & flexible working: 

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

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

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

Work the way that works for you at Monzo! 💼

You should apply if

You have:

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

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

What’s in it for you

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

✈️ We can help you relocate to the UK

✅ We can sponsor visas

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

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

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

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

Interview process

Our typical process is structured as:

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

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

#LI-LG1  #LI-Remote

📍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

📍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:

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

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

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

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

⭐Our Borrowing team

Our Mission in Borrowing is to enable people's financial goals through better borrowing. Our customers look to borrow money to enable them to achieve something in their lives - whether that’s making a big life event affordable, buying something they need now without affecting their monthly budget, or getting by until payday. And we’re looking to shape this mission by building products that our customers love, whilst scaling those top revenue lines across the business safely. 

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

⭐ Our Analytics Engineering team

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

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

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

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

🔑 You’ll play a key role by...

Working in a multi-disciplinary team, you will:

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

🤩 We’d love to hear from you if…

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

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

Nice To Haves:

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

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

🙌 What’s in it for you

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

📍Barcelona, Spain

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

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

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

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

🌈 The application journey has 3 key steps

Recruiter Screening Call

Initial Call

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

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

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

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

#LI-AS #LI-Remote

📍London, Cardiff or Remote | 💰 £86,000 - £100,000  + Incentive Awards tied to your performance + Benefits | Hear from the team ✨

⭐Our Risk & Compliance team

At Monzo we do things differently: we truly care about providing a phenomenal experience for our customers. We believe there’s a better way to do banking, and we want to be the best possible (fully compliant!) bank without getting stuck in the old ways of doing things. 

We’re looking for a Senior Compliance Advisory Manager to join our second line of defence (2LoD) Compliance Team as part of our Risk and Compliance Collective.We’re looking for a pragmatic, collaborative and experienced senior compliance manager with deep knowledge of FCA rules and associated regulations, who is passionate about Monzo's mission to make money work for everyone.

This role will have day-to-day responsibility for advising on compliance matters associated with Monzo’s Borrowing Collective covering primarily Homeownership (mortgage credit broking) as well as supporting on our unsecured products (loans, overdrafts, Flex) reporting directly to Monzo’s Head of Compliance Advisory.

This role will partner directly with our Product teams to ensure we fulfil our Consumer Duty requirements, launch products safely and meet our regulatory compliance obligations. This will require experience of advising on FCA requirements as well as a grounding in the wider retail banking and payments landscape and requirements. 

🔑 You’ll play a key role by...

• Working proactively and closely with the Product teams in Borrowing to provide clear and accurate technical compliance advice across a number of areas (FCA Handbook primarily, though not exclusively, MCOBS, CONC, PRIN).
• Providing compliance advice and guidance on financial promotions, supporting both the Marketing and Financial Promotion teams.
• Building and maintaining proactive, effective and constructive relationships with fellow Compliance team members, supporting the Compliance Leadership and regularly liaising with first line Risk, Legal and Audit.
• Supporting the vision, strategy and direction of Conduct and Compliance Advisory, consistent with the CRO’s broader strategy for the Risk, Compliance and Financial Crime Collective.
• Promoting the culture and practice of compliance within Monzo through training, coaching and constructively challenging first line colleagues. 
• Challenging our policies and procedures to make sure that we’re providing great customer outcomes and meeting regulatory requirements.
• Collaborate with the wider Compliance team in creating and updating compliance policies and procedures to reflect current regulatory requirements.
• 2LoD support and oversight on Regulatory Breach and Incident Management.
• Exploring new ways to streamline, automate and enhance Monzo’s approach to compliance and conduct risk management.
• Delivering continuous improvement to the function and helping to create a Compliance ‘centre of excellence’.

This role requires strong communication & collaboration skills with a ‘ hands-on ’ approach, to ensure that regulations are fully understood, our products are ‘compliant by design’ and our customers' needs are being met.

🤩 We’d love to hear from you if…

• You have in-depth knowledge of Mortgage Conduct of Business (MCOB) rules and solid experience advising on regulatory requirements for mortgages broking including mortgage and protection advice.
• Have a strong understanding of Consumer Duty.
• CeMAP qualification not essential but could be advantageous.
• You have gained hands-on regulatory experience and practical understanding of relevant regulation having ideally spent time in house at a bank, and/or financial technology company advising on regulatory conduct compliance matters.
• You like to be where the action is and thrive in fast paced environments where you can take the lead and shape new products and initiatives by building strong, mutually respectful relationships.
• You are a strategic thinker, a strong communicator and a keen problem solver who knows how to assess risk and recommend solutions that balance business and risk perspectives.
• You have working knowledge of the role of the Risk and Compliance function within the 3 lines of defence model.
• You're self-motivated, highly organised and focused on executing well.
• You're able to work independently and with changing priorities.
• You’re able to build strong, mutually respectful relationships with diverse teams.
• You have a genuine interest in the role of Compliance and recognise the value of compliance being a competitive advantage in a business like Monzo.
• You have a passion for compliance and are excited about the future of banking and want to work with us to shape it.
  
  

  The Interview Process:

  Our interview process involves three main stages: 

  1. Recruiter Call (30mins)
  2. Initial Call (30 mins)
  3. 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

  💰£86,000 to £100,000 + Incentive Awards tied to your performance ➕ benefits

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

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

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

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

  #LI-TK1  #LI-Remote

📍 Cardiff | 🏢 3 days a week in the office. 

The Role 🚀

We’re seeking an experienced Senior Leader in Fraud and Disputes Operations to lead our teams supporting our customers across the UK and US. This is a high-impact role that extends well beyond day-to-day management, and you’ll play a key role in defining and evolving our risk strategy, enhancing our control frameworks, and improving the end-to-end customer journey. Working cross-functionally across Capital on Tap, you’ll champion continuous improvement, minimise losses, and play a critical role in upholding our reputation for operational excellence.

Key Responsibilities 👏

• Lead, coach, and develop high-performing Fraud Prevention and Disputes Investigation teams, fostering a culture of excellence and continuous improvement.
• Oversee day-to-day fraud and disputes operations, including capacity planning, scheduling, SLA management, training, and competency development.
• Ensure full compliance with UK and US regulatory requirements, scheme rules, and deadlines, staying current with evolving industry standards.
• Monitor emerging fraud trends and collaborate with second line of defence teams to implement and refine fraud and disputes strategies.
• Design and maintain robust control frameworks to minimise financial losses, manage operational risk, and act as an escalation point for complex cases.
• Leverage technology and data to optimise processes, enhance customer experience, and track KPIs/KRIs to drive performance and continuous improvement.

We’re Looking For 🔍

• An experienced financial services leader specialising in disputes and fraud, with a focus on business customers.
• An adaptable and pragmatic leader with a hands-on, solutions-driven approach to problem solving. 
• A proven track record of leading high-performing teams in fast-paced, dynamic environments.
• A subject matter expert with deep knowledge of regulatory and legal requirements, and extensive experience in risk assessment and control design and testing.
• An analytical thinker skilled in interpreting complex data and driving evidence-based decision-making.

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

Interview Process 🤝

• Stage 1: 30 minute call with a Talent Partner
• Stage 2: 60 minute interview with our Customer Operations Director
• Stage 3: 60 minute interview with our People team and a peer

Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

📍 Cardiff| 🏢 Minimum 3 days a week in office

Marketing at Capital On Tap🚀

This team owns our online marketing, SEO, AIO, customer communications, PR, social media, brand positioning, website, and any above-the-line activity.

The Role

We're looking for a (Junior) CRM & Communications Officer to join our Marketing team in Cardiff. This is a more junior role for someone who wants to learn how modern marketing actually works, with the chance to work on campaigns going out to hundreds of thousands of real customers.

You'll be working alongside our Growth Associate and Marketing Manager, learning how to build and send email and SMS campaigns, how to use data to target the right customers with the right message, and how to measure whether it's working. You'll be supported and trained, but you won't be handed a task list. If you're the kind of person who wants to figure things out, get things done, and see the impact of your work quickly, this is the role for you!.

What you'll be doing

• Build, test, and send email and SMS campaigns using our CRM platform, Customer.io. 
• Draft and proofread communications, ensuring customer communications are clear and on-brand.
• Keep a content calendar across customer communications so nothing falls through the cracks.
• Work with teams across the business (Product, Operations, Credit etc.) to gather what customers need to know. 
• Learn how to analyse campaign data, build audience segments, and run A/B tests to keep improving what we send.
• Help prepare performance reports and flag what's working and what isn't.

What we are looking for

We care more about how you think than what you've already done. Up to 12 months of any commercial experience is fine - the specifics matter less than the mindset.

• Genuine curiosity about how things work.
• Excellent writing. You care about words, you edit your own work, and your emails are clear and punchy.
• Comfort with data (you don't need to be technical, but numbers shouldn't scare you!)
• Clear drive to learn fast and take ownership of your work.

Nice to have

• Experience with any CRM or email marketing platform is a big plus (e.g Customer.io, Braze, Hubspot), but a proactive willingness to learn is essential.

What you get in return

✨The opportunity to deliver high-impact projects that will have immediate and noticeable impact on our business
📈A competitive salary and meaningful career progression
🏥  Private Healthcare, Worldwide Travel  Insurance and Dental Cover through Vitality
🎁  Anniversary Rewards (£250, £500, £750, 4-week Fully Paid Sabbatical)
👛  Salary Sacrifice Pension Scheme up to 7% match
🏖️  28 days Holiday (Plus Bank Holidays)
📖  Annual Learning Budget
👪  Enhanced Parental Leave
🚲  Cycle to Work Scheme
🚂  Season Ticket Loan
💬  6 Free Therapy Sessions Each Year
🐶  Dog Friendly Offices
🍫  Free Drinks and Snacks In Our Offices

Interview Process
✨ 30m initial interview with Talent Partner
✨ 45m interview with Marketing & Communications Senior Manager - technical questions and CV walk through
✨ Take Home Task, followed by 1hour final stage interview with Marketing & Communications Senior Manager and CCO

📍London | UK remote | 💰 £100,000 to £160,000 (dependent on level) + Benefits | Hear from the team

About us:

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

Our range of borrowing products serve the important needs of our customers and are critical to Monzo’s mission. We have seen stellar growth and deep engagement with millions of borrowers, supported by effective credit risk and machine learning expertise. Our product portfolios are still expanding fast, from personal to business credit, and to markets beyond the UK. We are looking for bright, passionate and creative individuals to further accelerate our growth.

About the role:

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

You will be taking a hands-on technical leadership role, managing a small team of Senior ML Scientists. With in-depth knowledge and experience in the credit industry, you’ll drive innovations by identifying new opportunities of data and ML applications, and delivering business values across multiple Borrowing products. You’ll have a close relationship with leaders across Credit Strategy, Products, Model Validation and Engineers, with whom you will drive and influence strategic decisions and product roadmaps. You’ll also have the opportunities to work with external data suppliers and industry peers, to push the innovation frontiers for the credit industry.

With excellent technical skills, you’ll also spearhead the continuous development of our toolings, methodologies, and processes, to empower the team to build better models easier and faster. You’ll serve as the champion for the quality and efficiency of model development, and ensure safe and scalable growth of our model portfolio. You’ll also have plenty opportunities to work with other modelling teams across Monzo, to collaborate on the best practices and latest technologies.

Our technology stack

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

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

You should apply if:

• You are result oriented and motivated by the impact on our customers and business
• You thrive in a fast-paced environment and comfortable with frequent context switching
• You enjoy both the strategic thinking and influence, as well as hands-on solving technical problems
• You want to build trust and influence a diverse range of leaders and stakeholders
• You like inspiring people around you, with innovative thinking and high standard execution

You must have:

• Excellent technical skills in Python, SQL, and statistics
• Extensive knowledge of the credit industry, including the products, data, typical ML applications, and related regulations
• Hands-on experience across the lifecycle of credit risk models, including project scoping, data curation, model optimisation, performance analysis, deployment, monitoring, and diagnosis
• Successful track record of managing complex projects, with cross-functional teams and senior stakeholders
• Experience of mentoring and coaching senior ICs
• Previous experience of managing data and model governance in a regulated business

The Interview Process

• 30’ Recruiter Call
• 45’ Initial Call
• 60’ ML technical skill interview
• 60’ People Leadership interview
• 60’ Product ML interview
• 60’ Project deep dive

All interviews will be conducted through Google Meet.

What’s in it for you:

💰 £100,000 to £160,000 ➕  & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

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

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

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

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

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

📈Check out the development opportunities in the Complaints team.

📍 Cardiff | 🏢 3 days in office, 2 from home (Fully office-based for the first 3 months) 

Complaints Team 🚀
In this dynamic and challenging role, you will report to the Complaints Manager and be an integral part of a busy team, managing and resolving customer complaints across multiple channels, including telephone, email, and letter.

What You’ll Be Doing 🗃️

• Deliver friendly and helpful customer service via phone or written communication.
• Take full ownership of complaints, keeping customers informed throughout the process.
• Understand our business and products, collaborating with teams for quick service.
• Ensure complaints comply with FCA guidelines and relevant laws.
• Write clear response letters, explaining findings and educating customers on our services.
• Lead initiatives to improve complaint handling, ensuring successful implementation.

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

We’re Looking For 🔎

• Demonstrable experience handling complaints in a busy, customer-focused financial services environment.
• Experience working within FCA regulations and Financial Ombudsman Services.
• Strong verbal and written communication skills, with the ability to meet regulatory deadlines.
• A self-motivated individual that is able to work independently.
• Strong attention to detail.
• A strong work ethic with a passion for improving customer satisfaction.

Even if you don’t have all of the necessary skills, we still encourage you to apply.

Interview Process 🤝

• Stage 1: First stage: 30-minute intro and values call with Talent Partner (Video call).
• Stage 2: Second stage: Task to be completed prior to a one hour in-person interview. 
• Stage 3: Informal conversation with our Customer Operations Director.

Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

📍 Cardiff | 🏢 3 days per week in the office, 2 at home. You would be fully office based for the first 12 weeks, and following this you can move onto our hybrid working pattern. 

Customer Service 🚀
We’re not just another contact centre — we’re the team small business owners rely on every day. You’ll have the space to solve problems creatively, make confident decisions, and see the real impact of your work.

As a Team Leader, your role is to drive performance, engagement, and development within your team while creating a supportive and accountable culture. Your success will be reflected in your team’s performance, satisfaction, and wellbeing.

What You’ll Be Doing 🗃️

• Lead a team of around 10 agents to deliver exceptional customer and business outcomes.
• Develop team capability through 1:1s, coaching, huddles, and team meetings.
• Support the Customer Service Manager in delivering positive departmental improvements.
• Build strong relationships with internal stakeholders.
• Act as an escalation point for team support, particularly during out-of-hours shifts.
• Remove barriers preventing agents from delivering excellent service.

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

We’re Looking For 🔎

• Natural leadership ability with resilience to manage a dynamic out-of-hours team.
• Contact centre experience (financial services experience is a bonus).
• Passion for coaching and developing others with proven coaching success.
• Strong attention to detail and ability to identify process improvements.
• Comfortable analysing and using basic data to support decisions.
• Growth mindset with confidence giving and receiving feedback, including managing up.
• Track record of delivering strong results (shift or unsociable hours experience is a plus).

Shifts ⏰

We have a 6 week rolling shift pattern, where you will be contracted between the hours of 8am and 8pm. You will work 1 in 6 Saturdays, and there are no Sundays included in the shift pattern.

Interview Process 🤝

• Stage 1: 30-minute video interview with Talent Partner
• Final stage: 60-minute leadership and cultural fit with our Head of Customer Service

Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

📍 London/Cardiff/UK Remote | 💰£120,000-£175,000 + Benefits  ✨

Our Work Force Management team ⭐

Customer Operations at Monzo is evolving into a real-time control system.

We’re moving away from traditional, headcount-driven service models toward a hybrid human + AI system, where automation handles a growing share of customer demand and human expertise is applied where it matters most.

In this world, operations is no longer about scheduling people — it’s about continuously matching demand and capacity in real time, across humans and machines, to deliver consistently great service at sustainable cost.

This role sits at the centre of that transformation.

You’ll design and operate the system that ensures every customer problem is resolved within SLA, while balancing customer experience, cost, and operational resilience — at scale.

You’ll work across Operations, Data, ML, Product, and Finance to build a closed-loop system that connects forecasting, planning, routing, and real-time intervention — and continuously improves over time.

This is not a traditional Workforce Management role.

It’s closer to running a logistics network, marketplace, or real-time service system.

🔑 You’ll play a key role by…

• Owning service performance and SLA delivery across Customer Operations - accountable for outcomes, not just inputs
• Designing and operating a closed-loop system that connects forecasting, scheduling, routing, and real-time intervention - continuously improving performance through feedback and learning
• Building and running a hybrid workforce model (Human + AI) - treating AI and automation as first-class workforce components with their own capacity, performance, and failure modes
• Leading demand forecasting and capacity planning, translating complex data into clear, actionable strategies for staffing and system design
• Running real-time performance systems - monitoring queues, identifying risks, and leading interventions when SLAs are at risk
• Shaping demand in real time through routing, prioritisation, and AI/human channel decisions to protect SLA and optimise system performance
• Developing playbooks for operational resilience, including demand spikes, automation failures, and unexpected changes in customer behaviour
• Evolving Workforce Management from scheduling to orchestration — building a system-level capability that scales with automation and complexity
• Partnering cross-functionally with Ops, Data/ML, Product, and Finance to align service performance, cost, and scaling strategy

🤩 We’d love to hear from you if…

• You’ve operated large-scale, real-time supply/demand systems (e.g. marketplaces, logistics networks, or service operations at scale)
• You’ve been directly accountable for service levels or SLAs in high-stakes, real-time environments
• You have strong operator instincts — able to make fast, high-quality decisions under pressure, balancing customer experience, cost, and risk
• You’re highly data fluent - comfortable working with forecasting models, metrics (e.g. MAPE, RMSE), and understanding how ML systems impact operational performance
• You can translate model outputs into real-world decisions, not just analysis
• You’re a builder-leader, experienced in creating teams, systems, and processes from scratch that scale across regions and time zones
• You’re excited by the challenge of orchestrating human + AI systems as a single workforce
• You can influence senior stakeholders across technical and operational domains, and drive alignment in complex environments

⚠️ What this role is (and isn’t)

• This is a system-level operations role, not a traditional scheduling or contact centre WFM position
• You’ll be accountable for outcomes (SLA, cost, resilience) — not just plans or processes
• You’ll operate in a real-time, high-stakes environment, where decisions have immediate customer and business impact

🙌 What’s in it for you

💰 £120,000-£175,000 + Benefits 

✈️ We’ll help you relocate to the UK 

✅ We can sponsor your visa.

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

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

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

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

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

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. 

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

#LI-AE1 #LI-REMOTE

📍 Cardiff | 🏢 2 days per week in the office 

Customer Service / Customer Operations 🚀
Customer Operations is the beating heart of Capital on Tap, making sure everything runs smoothly for our customers. Customer Service is at the frontline of Customer Operations - the first people our customers talk to when they need help and the face of the business.

What You’ll Be Doing 🗃️

• Owning the end to end strategy for training our frontline Customer Service Advisors - who work 24/7 in our Cardiff office
• Design and deliver blended learning programmes across our voice, chat and email teams
• Delivering training across onboarding, skills development, quality improvement and leadership pathways
• Rebuild our onboarding journey in Customer Service so we set our advisors up for success from day one
• Develop and manage an internal talent pipeline - identifying high potential advisors and create pathways for them into Team Leader and Ops Manager roles 
• Work closely with the Head of Customer Service and Operations Managers to identify performance gaps and areas for development
• Introduce modern, scalable learning methods — moving beyond classroom-only sessions to accommodate 24/7 shift patterns, diverse learning styles and a growing team

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

We’re Looking For 🔎

• Proven background in training and learning, in a contact centre and financial services (FCA regulated) environment 
• Track record of designing and delivering blended learning solutions at scale
• Hands-on - this role will eventually manage a team of trainers, but initially it’ll be very hands-on and you will be delivering some training yourself
• Strong understanding of learning principles, instructional design methodologies, and training evaluation techniques
• Experience with leadership development, able to build and support ongoing leadership team growth.

Interview Process 🤝

• Stage 1: 30 minute intro call with a Talent Partner
• Stage 2: 60 minute interview 2x Operations Manager
• Stage 3: 60 minute interview with Head of Customer Services and a People Partner

Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

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

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

Engineering Management at Monzo:

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

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

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

The Role

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

You’ll spend your time:

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

You should apply if:

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

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

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

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

How we work 💻:

Locations & Flexible Working : 

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

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

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

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

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

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

Work the way that works for you with Monzo! 💼

The interview process:

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

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

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

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

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

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

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

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

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

What’s in it for you:

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

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

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

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

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

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

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

#LI-AL1 #LI-REMOTE

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

About the Role 

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

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

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

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

Is this role right for you?

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

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

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

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

How we work 💻:

Locations & Flexible Working : 

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

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

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

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

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

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

Work the way that works for you with Monzo! 💼

The interview process:

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

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

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

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

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

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

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

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

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

What’s in it for you:

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

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

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

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

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

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

#LI-Remote #LI-AL1

📍London, Cardiff or Remote | 💰 from £63,800 + incentive awards tied to your performance + Benefits 

⭐ About our Financial Risk Team:

Our Stress Testing team is growing, and we’re looking for a Senior Stress Testing Analyst to help design, lead and deliver Monzo’s stress testing framework.

You’ll work across the full lifecycle of stress testing – from methodology design and scenario development through to running models, interpreting outputs and presenting results to senior stakeholders across Finance, Risk and the wider business. This role carries significant visibility and will require you to confidently own and explain complex analysis to exec-level audiences.

Alongside delivery, you will help build and improve our processes, governance and analytical toolkit. This is a brilliant opportunity for someone who combines strong analytical ability with influence, clarity of communication and the maturity to shape conversations with senior leaders.

🔑 What you’ll be working on: 

As a Senior Analyst for Stress Testing, you'll initially support the development and maintenance of the full lifecycle of our stress testing framework. This framework will be used to deliver prudential stress testing to support the production of the ICAAP, Recovery Plan and understanding the resilience of our balance sheet and risk management strategies. Your core responsibilities will include: 

• Supporting delivery of all key stress testing activities, including ICAAP, Recovery Planning, Reverse Stress Tests and ad-hoc exercises.
• Running models, undertaking detailed analysis and interpreting results, ensuring outputs are robust, accurate and insightful.
• Presenting stress testing results and analysis to senior stakeholders, including Finance leadership, the broader Risk leadership group, governance committees and working groups.
• Acting as a key point of contact for cross-functional teams, ensuring stakeholders understand methodologies, assumptions, outputs and implications for the business.
• Helping design and enhance stress testing methodologies and frameworks, including data processes, scenario translation and model parameterisation.
• Designing and improving stress testing processes, ensuring they are scalable, controlled and repeatable.
• Building strong relationships across FP&A, Treasury, Borrowing, Credit Risk, Data, Product and other teams, facilitating smooth data flows and clear expectations.
• Producing high-quality written materials that explain complex analysis clearly for diverse and senior audiences — including memos, committee papers and technical documentation.
• Identifying opportunities for process improvement, automation and better controls, supporting the wider Financial Risk team’s development.
• Supporting the development and embedding of tools, models and templates used across stress testing and financial risk.

🤩 We’d love to hear from you if you…

• Have experience working in financial risk, credit risk, prudential regulation, finance, analytics or another analytically focused financial services role.
• Have strong analytical and problem-solving skills and enjoy working with models, scenarios, and financial data.
• Are confident presenting technical or complex analysis to senior stakeholders, and influencing outcomes with clarity and structure.
• Understand financial statements, capital metrics and risk drivers within a bank, or are keen to deepen your expertise in these areas.
• Are experienced in navigating cross-functional environments and building trusted relationships across levels and disciplines.
• Can translate complex information into simple, compelling messages for both technical and non-technical audiences.
• Are comfortable working independently, managing shifting priorities, and taking ownership for the quality of your work.
• Have a data-driven mindset and enjoy finding smarter, more scalable ways to deliver analysis (SQL or coding experience is a bonus).

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

💰from £63,800 + incentive awards tied to your performance

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

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

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

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

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

🌈 The application journey has 4 key steps

• Phone call with recruiter (30 mins)
• Initial video call with Hiring Manager (30 mins)
• Technical assessment + interview (60 mins)
• Behavioural Round (45 mins)

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

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

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

#LI-NZ1 #LI-REMOTE 

📍 Cardiff | 🏢 3 days per week in the office 

Support Services/Customer Operations 🚀
As a Training and Onboarding Specialist, your mission is two-fold: to design and deliver best-in-class onboarding programs for new hires, and to ensure the continuous upskilling of our existing Customer Operations team. You will create engaging training materials and lead sessions on new products, processes, and systems. This role also involves the critical task of creating, maintaining, and updating shared knowledge and departmental documentation, ensuring our frontline teams are supported with accurate, timely, and compliant information that is the foundation for all training efforts.

What You’ll Be Doing 🗃️

• Develop, and implement unified onboarding programs for all new hires across Customer Operations to ensure they are equipped with the foundational knowledge and skills required for their roles.
• Develop, deliver, and facilitate engaging and impactful training sessions and workshops for the existing team on new products, processes, systems, and compliance updates to drive continuous upskilling and development of colleagues.
• Collaborate closely with cross-functional Subject Matter Experts (SMEs) to identify training needs and translate complex operational procedures into clear, accessible, and compliant training materials.
• Manage the end-to-end content lifecycle of all training materials, shared knowledge assets, and departmental documentation, ensuring they are accurate, up-to-date, and serve as the single source of truth for the Customer Operations team.
• Maintain strict documentation and sign-off protocols for all training and operational assets to ensure full compliance with internal regulations.
• Evaluate the effectiveness of training and onboarding programs using performance metrics, feedback, and assessments to drive continuous improvement and ensure the "operational readiness" of frontline colleagues.
• Have flexibility in shift times to ensure that there is full coverage for training delivery and front line support duties

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

We’re Looking For 🔎

• Proven experience in a Learning & Development or Real-Time Coaching role within a fast-paced Customer Operations environment.
• Exceptional ability to simplify complex internal processes into clear, engaging, and compliant training materials.
• Highly organised with a proven ability to manage multiple document updates and stakeholder sign-offs simultaneously while adhering to strict timelines.
• A track record of supporting teams through transitions, such as new product launches or system changes, through effective information sharing and clear training sessions.
• Ability to build relationships across multiple stakeholders to ensure the best quality service is delivered.
• Excellent communication skills, capable of delivering complex information clearly and concisely to frontline staff and senior leaders.
• Experience utilising performance and feedback metrics to evaluate training effectiveness and drive continuous program improvement.

Interview Process 🤝

• Stage 1: 30 minute values and intro call with a Talent Partner
• Stage 2: 60 minute competency based interview with the Training and Onboarding Manager

Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

📍 Cardiff | 🏢 3 days per week in the office

Quality Assurance/Customer Operations 🚀
Our QA team is responsible for assessing the quality of the work that’s happening across Customer Operations. You’ll look at deep-dive technical audits of complex investigative cases and operational tasks. You’ll also deliver feedback to people across the business and give them development points to help ensure our customer experience remains fantastic!

What You’ll Be Doing 🗃️

We are looking for analytical specialists who can bring deep subject matter expertise to our control environment. In particular, we are looking for someone with expertise in Disputes & Transaction Claims. You’ll have a technical understanding of Card Scheme rules (Visa/Mastercard), and you know how to audit Transaction Disputes (APP scams, Chargebacks, and Section 75 claims) to ensure a fair and evidenced outcome.

• Holistic Case & Task Auditing: Conducting technical audits of end-to-end Transaction Dispute cases, alongside customer interactions to ensure full compliance with regulatory standards and internal risk appetite.
• SLA & Quality Oversight: Monitoring and assessing adherence to Service Level Agreements (SLAs) to ensure timely risk mitigation without compromising the depth or accuracy of investigations.
• Advanced Risk Identification: Proactively identifying emerging risks, procedural gaps, or "near-misses" within case handlings and escalating significant findings to senior stakeholders.
• Monthly MI & Reporting: Developing comprehensive Monthly Management Information (MI) reports that translate audit data into actionable business insights.
• Trend Analysis & Feedback: Identifying systemic trends and root causes across the department to provide strategic feedback that shapes training, policy updates, and operational processes.

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

We’re Looking For 🔎

We want someone who’s passionate about doing right by customers and helping others be their best. You will be:

• Experienced Investigator: You bring a solid background in Disputes & Transaction Claims. 
• Regulatory Mindset: You understand that a "great outcome" is an investigation that is technically accurate, fully documented, and compliant with FCA expectations and Consumer Duty.
• Confident Communicator: You are skilled at delivering constructive, evidence-based feedback. You can explain complex regulatory requirements to analysts and stakeholders in a way that drives performance and technical growth.
• Analytical & Detail-Oriented: You are familiar with Quality Assurance frameworks or able to transition naturally from deep-dive investigative work to QA responsibilities. You don't just "check" a task; you audit the decision-making process behind it.
• Objective: You possess the "investigative curiosity" needed to spot what isn't there. You can remain objective when reviewing high-pressure tasks and SLAs, ensuring quality is never sacrificed for speed.

Interview Process 🤝

• Stage 1: 30 minute intro and values call with a Talent Partner
• Stage 2: 45 minute interview with a QA Team Lead and Outcome Testing Manager
• Stage 3: 30 minute interview with the Head of Customer Insights

Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

📍 Cardiff | 🏢 3 days per week in the office

Quality Assurance/Customer Operations 🚀
Our QA team is responsible for assessing the quality of the work that’s happening across Customer Operations. You’ll look at deep-dive technical audits of complex investigative cases and operational tasks. You’ll also deliver feedback to people across the business and give them development points to help ensure our customer experience remains fantastic!

What You’ll Be Doing 🗃️

We are looking for analytical specialists who can bring deep subject matter expertise to our control environment. In particular, we are looking for someone with expertise in Financial Crime & AML: You have experience auditing or investigating AML alerts, KYC/EDD files, and Sanctions screening, with a firm grasp of the Proceeds of Crime Act (POCA) and suspicious activity reporting (SAR).

Your mission is to ensure that every alert and SAR (Suspicious Activity Report) is handled with the highest level of integrity and technical accuracy. You will ensure our outcomes align strictly with FCA regulatory standards and the Proceeds of Crime Act (POCA).

• Holistic Case & Task Auditing: Conducting technical audits of end-to-end financial crime cases, alongside customer interactions to ensure full compliance with regulatory standards and internal risk appetite.
• SLA & Quality Oversight: Monitoring and assessing adherence to Service Level Agreements (SLAs) to ensure timely risk mitigation without compromising the depth or accuracy of investigations.
• Advanced Risk Identification: Proactively identifying emerging risks, procedural gaps, or "near-misses" within case handlings and escalating significant findings to senior stakeholders.
• Monthly MI & Reporting: Developing comprehensive Monthly Management Information (MI) reports that translate audit data into actionable business insights.
• Trend Analysis & Feedback: Identifying systemic trends and root causes across the department to provide strategic feedback that shapes training, policy updates, and operational processes.

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

We’re Looking For 🔎

We want someone who’s passionate about doing right by customers and helping others be their best. You will be:

• Experienced Investigator: You bring a solid background in Financial Crime, AML and KYC. 
• Regulatory Mindset: You understand that a "great outcome" in FinCrime means an investigation that is technically accurate, fully documented, and compliant with FCA expectations, Consumer Duty  and the Proceeds of Crime Act (POCA).
• Confident Communicator: You are skilled at delivering constructive, evidence-based feedback. You can explain complex regulatory requirements to analysts and stakeholders in a way that drives performance and technical growth.
• Analytical & Detail-Oriented: You are familiar with Quality Assurance frameworks or able to transition naturally from deep-dive investigative work to QA responsibilities. You don't just "check" a task; you audit the decision-making process behind it.
• Objective: You possess the "investigative curiosity" needed to spot what isn't there. You can remain objective when reviewing high-pressure tasks and SLAs, ensuring quality is never sacrificed for speed.

Interview Process 🤝

• Stage 1: 30 minute intro and values call with a Talent Partner
• Stage 2: 45 minute interview with a QA Team Lead and Outcome Testing Manager
• Stage 3: 30 minute interview with the Head of Customer Insights

Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.