Are you passionate about building scalable, high-performance systems that process massive amounts of data? Do you thrive on designing and implementing innovative solutions to empower engineering teams with actionable insights? Are you excited to advance open-source observability at a massive scale? Join us to extend (open source) observability tools and build new capabilities that help teams manage data better and get actionable insights. 

About the Team 

The Observability team is part of Roku’s Cloud Technology Infrastructure organisation and plays a critical role in our platform. We are a high-performing, fast-moving international team that thrives on ownership, effective communication, and delivering impactful engineering solutions. 

Our mission is to advance Roku’s observability platform, which operates at an impressive scale by ingesting terabytes of data daily and managing hundreds of millions of active series. As part of this mission, we focus on building scalable, performant systems to meet Roku’s unique needs. By leveraging open-source tools, CNCF-supported projects, and custom solutions, we enable engineering teams across Roku to monitor, debug, and optimise their applications with ease. 

What sets us apart is our results-driven culture rooted in ownership, accountability, and fast iteration. We prioritise solving meaningful engineering problems, fostering collaboration, and continuously improving how we work as a team. 

About the Role 

You will work on core observability systems (metrics, logs, traces) while also developing robust data pipelines and storage solutions optimized for high throughput, performance, and cost. You’ll leverage technologies such as time-series databases (TSDB), columnar storage formats (e.g., Parquet), and distributed data processing frameworks to advance the platform’s capabilities. Collaboration with cross-functional teams will be critical, as you’ll integrate observability into Roku’s cloud-native stack and contribute improvements back to the open-source community. 

• Extend and integrate open-source observability systems, and when needed, structurally overhaul core components, such as storage layers and query paths, to improve performance, reliability, and usability of these tools at scale. 

• Build services to improve performance, usability, reliability, and cost efficiency. 

• Implement features like pre-aggregation, downsampling, and sampling to reduce load and accelerate queries. 

• Create developer-facing capabilities for metrics, logs, and traces usage, data quality, and cost management. 

• Automate onboarding, dashboards, alerting, and tracing. 

• Collaborate across platform and infrastructure teams to integrate observability into Roku’s cloud-native stack. 

What We’re Looking For 

• Extensive experience in software engineering building distributed, high-throughput systems or observability platforms. 

• Hands on Go experience; our observability ecosystem is Go-based, making it the most effective language for this role. 

• Experience with, or strong interest in, observability tools (Prometheus, Grafana, Loki, Tempo, ELK/OpenSearch, Clickhouse) and standards (OpenTelemetry, OpenTracing, OpenMetrics). 

• Deep understanding of distributed systems and data models 

• Hands-on experience with Kubernetes, and cloud platforms (AWS, GCP, Azure). 

#LI-PA1

London/Cardiff/UK Remote | 💰£46300 - £62700 + Benefits  ✨

This is a 12 month fixed term contract position.

⭐Our People team

The People Collective is looking for someone who is passionate about supporting a Reward function that is engaging, scalable, and most importantly, equitable. The Reward Squad covers a lot of ground - from share options to compensation to reward governance and everything in between. We’re looking for someone who enjoys dotting the i’s and crossing the t’s but never loses sight of the fact that at the heart of everything we do is our people.

🔑You’ll play a key role by...

We’re looking for a Benefits Specialist to support Monzo’s global benefits and pension programmes, including in the UK.

Reporting to the Head of Benefits you’ll be empowered to contribute towards the success of the company by supporting Monzonaut benefits in the UK and globally. You’ll also be engaging with other teams across not only the People Collective, but Monzo-wide to make sure we’re listening to and supporting our Monzonauts as best as we can.

This is an exciting opportunity to help Monzo fulfill its mission to make money work for everyone. If you’re excited to be part of our adventure we’d love to hear from you! 

Key responsibilities 

• Day-to-day benefits and leave policies administration and management
• Managing the end-to-end renewal process 
• Establishing and implementing new benefits programmes
• Ensuring that our benefits programmes are compliant, in line with Monzo’s global benefit’s strategy, and supports our business goals
• Liaising with our external benefits broker and vendors, ensuring that our providers are providing a good service 
• Work closely with stakeholders including Procurement and Third Party Risk teams to onboard suppliers, Tax team to ensure compliance, and People Operations to design seamless processes 
• Responding to benefits queries, escalations and supporting Monzonauts
• Working closely with teams across the People Collective, including Payroll and People Operations
• Analysis of benefits data
• Monzonaut education, communication and engagement 

🤩We’d love to hear from you if…

• You have experience in administering and managing UK benefits
• You have experience in ensuring that benefits programmes are compliant and meet legislative requirements
• You have strong knowledge of employee benefits trends 
• You have excellent project management and organisational skills
• You’re independent, yet enjoy cross team collaboration
• You prioritise high impact work, but never neglect the details
• You’re adaptable, flexible and are comfortable working in a fast paced 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 thats listed just yet. Drop us your application, we’d love to hear from you!

🙌 What’s in it for you

💰 £46300 - £62700

⏰ 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 stages
• Role Specific interview
• Behavioral interview

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

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

#LI-DH1 #LI-REMOTE

London/Cardiff/UK Remote | 💰£46300 - £62700 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨

⭐Our People team

The People Collective is looking for someone who is passionate about supporting a Reward function that is engaging, scalable, and most importantly, equitable. The Reward Squad covers a lot of ground - from share options to compensation to reward governance and everything in between. We’re looking for someone who enjoys dotting the i’s and crossing the t’s but never loses sight of the fact that at the heart of everything we do is our people.

🔑You’ll play a key role by...

We’re looking for a Benefits Specialist to support Monzo’s global benefits and pension programmes, including expansion into the EU. 

Reporting to the Head of Benefits you’ll be playing a crucial role in Monzo’s expansion, ensuring that we have benefits in place that will attract and retain the best talent. 

This is an exciting opportunity to help Monzo fulfill its mission to make money work for everyone. If you’re excited to be part of our adventure we’d love to hear from you! 

Key responsibilities 

• Day-to-day benefits and leave policies administration and management
• Managing the end-to-end renewal process 
• Establishing and implementing new benefits programmes, including in the EU 
• Ensuring that our benefits programmes are compliant with local regulations, in line with Monzo’s global benefit’s strategy, and supports our business goals
• Liaising with our external benefits broker and vendors, ensuring that our providers are providing a good service 
• Work closely with stakeholders including Procurement and Third Party Risk teams to onboard suppliers, Tax team to ensure compliance, and People Operations to design seamless processes 
• Responding to benefits queries, escalations and supporting Monzonauts
• Working closely with teams across the People Collective, including Payroll and People Operations
• Analysis of benefits data
• Monzonaut education, communication and engagement 

🤩We’d love to hear from you if…

• You have experience in administering and managing EU benefits
• You have experience in ensuring that benefits programmes are compliant and meet legislative requirements
• You have strong knowledge of employee benefits trends in the EU 
• You have excellent project management and organisational skills
• You’re independent, yet enjoy cross team collaboration
• You prioritise high impact work, but never neglect the details
• You’re adaptable, flexible and are comfortable working in a fast paced 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 thats listed just yet. Drop us your application, we’d love to hear from you!

🙌 What’s in it for you

💰 £46300 - £62700 ➕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 stages
• Role Specific interview
• Behavioral interview

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

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

#LI-DH1 #LI-REMOTE

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

Our People Governance & Accountability team ⭐

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

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

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

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

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

🔑 You’ll play a key role by...

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

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

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

What you’ll be doing

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

As you scale with us, you will:

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

What you’ll own

Operational ownership

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

Continuous improvement

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

Cross-functional delivery

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

Risk and judgement

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

Insight and prioritisation

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

🤩 We’d love to hear from you if…

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

🙌 What’s in it for you

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

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

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

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

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

🌈 The application journey has 4 key steps

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

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

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

The closing date for applications is 25th May 2026

#LI-DH1 #LI-REMOTE

📍 London/Cardiff/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/UK Remote | 💰£103,000-£140,000 + Incentive Awards tied to your performance + Benefits  ✨

At Monzo, we’re on a mission to make money work for everyone. The Wealth Collective is at the heart of this. We aren’t just building features; we’re helping people navigate the most complex and high-stakes parts of their financial lives.

We are looking for a hybrid leader: a world-class mixed-methods practitioner who can navigate the knotty challenges of a new financial landscape while providing supportive, transparent line management for a high-performing researcher.

Our User Research team⭐

We are currently a team of more than 30 individual contributors, who are embedded into collectives i.e Core Banking, Business Banking etc, working cross functionally with Product Design, Product Management and Engineering teams. Our research organisation is led by Katherine Vaughan, our Director of User Research. 

🔑You’ll play a key role by...

• Having a demonstrable and significant positive impact on customer outcomes across the Monzo experience, both directly and indirectly.
• Having a tangible influence on Monzo's north star metrics and commercial outcomes.
• Prioritising the biggest opportunities for impact, and helping others do the same.
• Identifying the most important research questions for Monzo, flexing your focus between teams or domains in the company to do so 
• Choosing the right method, often pioneering new approaches to running complex research projects beyond your and the team's comfort zone, levelling up our capabilities as you go
• Shaping projects and strategies that balance pace, quality and breadth of focus to have the most impact, delegating to others when appropriate. 
• Drawing on a range of data sources and working closely with cross-discipline leaders where needed to robustly answer the questions that are most important to Monzo
• Communicating actionable user insights with such clarity that they are consistently used to define strategy across the organisation.
• Partnering closely with leaders beyond your discipline, and modelling better ways of cross functional working which raises the bar for all 
• Translating your insights and Monzo's strategic direction into a clear and actionable plan for the teams you work with, helping us make progress towards our product vision.
  
  

🤩 We’d love to hear from you if…

• You're passionate about making money work for everyone.
• You ideally have experience of working in a product-led environment, as a high performing individual contributor. 
• You have a passion/interest for mentoring and coaching user researchers. 
• You proactively set the conditions for others to deliver in ambiguous or changing contexts, both within squads and across the organisation. 
• You solve systemic issues caused by complexity, making things better for those who come after you.
• You're a visible role model for respectfully driving positive customer and business outcomes - even under challenging team circumstances.
• You proactively and consistently find ways to raise the bar for your discipline and others, giving timely, respectful feedback when needed.
• You role model resilience, and you help others take a measured approach to outlining the trade-offs of different options before deciding which route to pursue, keeping pace while you do so.
• You're recognised as the expert in your field of research and you have scaled the support you provide others to drive extensive improvements across the organisation.
• You identify opportunities your wider team's impact, culture and community of practice, and you're pragmatic in aiming for progress over perfection
• You take responsibility for the successful growing of the research teams you're in - helping identify where new skillsets are needed, bringing in the right people, and creating the conditions for them to be successful.

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

💰 £103,000-£140,000 DOE ➕Incentive Awards tied to your performance.

✈️ We’ll help you relocate to the UK. 

✅ We can sponsor your visa. 

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

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

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

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

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

🌈 The application journey has 3 key steps
First stage - Recruiter call
Second stage - Research methods task (1 hour)
Full loop - Values + Leadership interview and Teamwork + Impact interview (45 mins each - ideally b2b)

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

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

The closing date for applications is 22nd May.

#LI-NH1

London/UK Remote | 💰£59,500 - £70,000 (depending on experience) + Incentive Awards tied to your performance + Benefits  ✨

Our Model Oversight team⭐

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

🔑You’ll play a key role by...

• Perform independent model validations of FinCrime/Fraud models using proportionate modelling techniques depending on the level of complexity applied.
• Write clear and impactful model validation reports and present the findings in relevant committees. 
• Review of any FinCrime/Fraud model changes and provide recommendations to first line teams to ensure the models remain fit for purpose. 
• Build relationships with first line of defence Fincrime/Fraud modelling teams and wider risk teams to support the embedding of the model risk framework (e.g.  good maintenance of the model inventory and adhering to issue management processes) and an understanding of model validation practices to help Monzo grow safely. 
• Support team lead in reviewing ongoing model performance monitoring to ensure the  FinCrime/Fraud models are performing within risk thresholds and providing support to the  FinCrime/Fraud model development team when further action is required.
• Supporting the broader Model Oversight team with model validation activity in other disciplines (Financial, Operational and Credit) to manage peak demand and utilising areas of specific knowledge.
• Research and learn latest modelling and validation techniques
• Support the effective operation of the Model Risk Oversight Committee as a regular attendee, contributing to the group discussion to improve model risk management.
• Support the promotion and embedding of a strong risk culture, making risk meaningful and relevant to everyone at Monzo. You will share best practice that is easy for everyone to understand.

🤩 We’d love to hear from you if… 

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

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

• Experience in developing and/or validating any of Financial Crime, Fraud, Credit, Interest Rate, Liquidity, Regulatory capital, Stress testing and/or forecasting models

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

  The Interview Process:

  Our interview process involves three main stages: 

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

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

  🙌What’s in it for you

  💰£59,500 to £70,000 (depending on experience) + Incentive Awards tied to your performance + benefits

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

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

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

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

  #LI-TK1  #LI-Remote

📍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)  | 💰 £76,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

About our Financial Health Team:

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

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

What you’ll be working on:

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

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

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

Your day-to-day:

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

Locations & flexible working:

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

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

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

Work the way that works for you at Monzo! 💼

Our technology stack:

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

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

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

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

You should apply if:

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

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

The interview process:

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

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

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

What’s in it for you:

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

✈️ We can help you relocate to the UK 

✅ We can sponsor visas

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

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

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

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

#LI-LG1  #LI-Remote

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

About our Financial Health Team:

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

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

What you’ll be working on:

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

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

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

Your day-to-day:

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

Locations & flexible working 

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

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

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

Work the way that works for you at Monzo! 💼

Our technology stack:

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

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

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

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

You should apply if:

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

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

The Interview Process:

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

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

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

What’s in it for you:

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

✈️ We can help you relocate to the UK 

✅ We can sponsor visas

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

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

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

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

#LI-LG1  #LI-Remote

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

Our team

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

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

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

Your day-to-day

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

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

Locations & flexible working: 

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

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

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

Work the way that works for you at Monzo! 💼

You should apply if

You have:

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

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

What’s in it for you

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

✈️ We can help you relocate to the UK

✅ We can sponsor visas

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

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

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

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

Interview process

Our typical process is structured as:

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

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

#LI-LG1  #LI-Remote

London or UK Remote | 💰£70,000 - £90,000 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨

⭐Our Design team

We’re a team of 100+ designers, researchers, and brand experts led by Chief Design Officer Vuokko Aro. We’re on a mission to make money work for everyone. Product Design makes up almost half of our design disciplines, working in tight-knit squads alongside research, product, and engineering to solve real customer problems at scale.

We design for the "magic moments"

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

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

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

🔑You’ll play a key role by…

As a Senior Product Designer at Monzo, you’ll shape the future of banking by crafting seamless, customer-centric experiences. You’ll partner with research, product, and engineering to define problems, explore solutions, and deliver high-impact work that moves the needle, not just for your squad, but for millions of Monzo users.

You’ll balance vision with execution, ensuring every pixel and interaction aligns with our design principles while pushing boundaries where it matters. From refining complex flows to contributing to our design system, your work will set the bar for quality and coherence across our product.

🤩 We’d love to hear from you if…

• You deeply understand customer problems and translate insights into intuitive, scalable designs - whether through research, data, or collaboration.
• You navigate ambiguity with confidence, defining the right process for the problem and adapting as needed.
• You think in systems, crafting end-to-end experiences that feel cohesive
• You have expertise in native app design (iOS/Android), balancing platform conventions with Monzo’s design system to create fast, fluid, and delightful experiences.
• You elevate design quality through precise UI, strong UX writing, and a keen eye for accessibility and delight.
• You build strong partnerships, working closely with engineers, researchers, and PMs to ship exceptional work
• You champion progress, whether through mentoring, improving team processes, or tackling tough challenges head-on.

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

💰£70,000 - £90,000 + Incentive Awards tied to your performance

✈️ We’ll help you relocate to the UK. 

✅ We can sponsor your visa. 

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

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

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

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

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

🌈 The application journey has 3 key steps

20-minute call with our Recruiter, Tom

1-hour craft interview where you’ll present a single case study to 2 members of our Design team.

2 x 45-minute interviews covering Teamwork and Impact. 

This process should take around 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-TR1

#LI-Remote

📍London (Hybrid) or UK Remote | 💰£75,000 - £95,000 + Incentive Awards tied to your performance + Benefits ✨

⭐Our Design Team

We’re a team of 100+ designers, researchers, and brand experts led by Chief Design Officer Vuokko Aro. We’re on a mission to make money work for everyone.

We’re seeking an experienced and versatile Lead Brand Designer with a strong portfolio in branding, art direction and creative ideation.

In this role, you’ll shape Monzo’s visual identity, deliver high-quality design solutions aligned with strategic goals, and drive innovative ideas as a conceptual thinker. Your designs will combine creativity and vision, ensuring they’re both compelling and rooted in strong concepts.

As part of our dynamic internal creative studio, you’ll collaborate with designers and writers, exchanging feedback and raising design standards. Working closely with the Creative Director, you’ll ensure consistency and evolve the Monzo brand by partnering with product designers, marketing teams, and external agencies.

Key projects include refining brand guidelines, developing motion storyboards, creating campaign assets, collaborating on web designs and product designs, and elevating internal design projects.

🔑You’ll play a key role by...

• Creative Leadership: Leading and overseeing end-to-end projects, from ideation to execution, working collaboratively with cross-functional teams, including marketing, product design, and engineers. You will need management skills to manage a small team of designers, by guiding and supporting them with our internal levelling frameworks.
• Mentoring and providing guidance to designers, fostering a collaborative and productive team environment. Run design critiques and help others navigate projects with cohesive and thoughtful feedback. 
• Brand Guardian: Guide external agency partners on all things design and creative concepts.
• Brand Design: Develop, evolve and maintain brand identities, ensuring consistency across all touchpoints.
• Hands-on Design: Figma FIRST. Roll up your sleeves and contribute directly to the design work, whether it’s crafting a standout campaign, refining our typography, or animating assets.
• Typography: Utilise expert knowledge of typography to create visually appealing and readable designs.
• Collaboration and Communication: Work closely with cross-functional teams, including marketing, product development, and project management, to deliver cohesive design solutions.
• Creatively concept art direction and motion for in-app experiences with product teams.

🤩 We’d love to hear from you if…

• You have a proven track record in design roles, with a strong portfolio demonstrating branding, art direction, product design, advertising campaigns and typography.
• You have experience in managing designers and leading design projects. 
• You demonstrate proficiency in design software such as Adobe Creative Suite (Photoshop, Illustrator, After Effects), Figma is a must. Motion skills, 3D programs, AI tooling, are a plus.
• You have excellent communication skills and the ability to articulate design concepts to both internal teams and senior management.
• You can manage multiple projects simultaneously and meet tight deadlines.
• You have experience in fast-paced tech startups or creative agencies working on global brands.
• You have experience in additional areas like web design, print design, storyboarding, art direction, film, and illustration.
• You’re obsessed with strategically designing within a brand, and have strong skills with evolving within a brand guideline. 

🙌What’s in it for you

💰£75,000-£95,000 + 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!

🌈 The application journey has 3 key steps

30-minute call with our Recruiter, Tom
1-hour craft interview where you’ll present a single case study to 2 members of our Brand Design team
1-hour interview covering values & ways of working

To help us understand your skills and experience, we kindly ask that you include both your CV and a portfolio showcasing your work. 

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-TR1

#LI-Remote

📍London, Cardiff or Remote in the UK | 💰 £97,800 -125,000 + Benefits | Hear from the team ✨ 

⭐Our Borrowing Analytics Engineering 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. 

We're looking for a Lead Analytics Engineer within our borrowing team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms, identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new global markets, build new products and shape the future of how we serve our customers. 

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. 

🔑You’ll play a key role by...

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

🤩We’d love to hear from you :

• You have a strong passion for data modelling, ETL projects, and Big Data.
• You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
• SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
• You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
• You have experience building robust and reliable data sets that require a high level of control.
• You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
• You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
• You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
• You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
• You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
• You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Borrowing and Analytics Engineering.
• Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

The interview process:

Our interview process involves 4 main stages: 

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

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

What’s in it for you:

💰 £97,800-£125,000 base + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

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

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

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

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

#LI-AS #LI-Remote

📍London, Cardiff or Remote in the UK | 💰 £97,800 -125,000 + Benefits | Hear from the team ✨ 

⭐Our Borrowing Analytics Engineering 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. 

We're looking for a Lead Analytics Engineer within our borrowing team to help build world class service for the bank of the future. You will play a critical role in overseeing our foundational data platforms, identifying and driving opportunities to enhance our current capabilities. Your expertise will be pivotal in allowing us to scale into new global markets, build new products and shape the future of how we serve our customers. 

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. 

🔑You’ll play a key role by...

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

🤩We’d love to hear from you :

• You have a strong passion for data modelling, ETL projects, and Big Data.
• You enjoy working with data streams from various services, such as financial, transactional, and operational systems.
• SQL and data modelling are second nature to you, and you are comfortable with general Data Warehousing concepts.
• You are committed to continuous improvement, proactively identifying opportunities and addressing challenges in your work and the work of others.
• You have experience building robust and reliable data sets that require a high level of control.
• You enjoy working with cross functional fast moving teams and are passionate about serving our customers.
• You are able to think strategically about credit products and how our underlying data models will unlock more insights for our team and more value for our customers.
• You are excited about enabling other data scientists, analytics engineers and credit analysts by sharing your expertise on data architecture.
• You have the ability to shape big, ambiguous data domains and get the required buy-in from key leaders across the business.
• You are able to shape and manage the technical roadmap of an entire domain and execute against the project plan’s deliverables.
• You are leading through the contributions of others by effectively leveraging the multiplier effect to create exponential value across Borrowing and Analytics Engineering.
• Excel in cross-functional stakeholder communication (back-end engineers, product managers, and credit analysts), while also effectively engaging with senior technical leaders.

The interview process:

Our interview process involves 4 main stages: 

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

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

What’s in it for you:

💰 £97,800-£125,000 base + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

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

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

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

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

#LI-AS #LI-Remote

📍London, Cardiff 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 or Remote (UK)  | 💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

Our team:

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

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

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

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

Your day-to-day:

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

How we work:

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

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

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

Work the way that works for you at Monzo! 💼

You should apply if:

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

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

The interview process:

Our interview process involves 4 main stages:

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

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

What’s in it for you:

💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits 

✅ We can sponsor visas

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

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

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

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

#LI-LG1  #LI-Remote

📍London or Remote (UK)  | 💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

Our team:

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

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

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

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

Your day-to-day:

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

How we work:

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

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

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

Work the way that works for you at Monzo! 💼

You should apply if:

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

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

The interview process:

Our interview process involves 4 main stages:

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

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

What’s in it for you:

💰 £58,000 to £78,000 + Incentive Awards tied to your performance + Benefits 

✅ We can sponsor visas

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

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

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

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

#LI-LG1  #LI-Remote

📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team

About our Data Science Team:

We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 and help us to build a bank that customers truly love.

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

Enable Monzo to Make Better Decisions, Faster

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

How we hire

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

What you’ll be working on 

We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc.

Your day-to-day   

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

You should apply if:

What we’re doing here at Monzo excites you!

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

The Interview Process:

Our interview process involves three main stages: 

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

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

You will have the chance to speak to our recruitment team at various points during your process.

What’s in it for you:

💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

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

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

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

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

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

#LI-NB2 #LI-Remote

📍London or Barcelona | UK remote | 💰 £95,000 to £130,000 + Incentive Awards tied to your performance + Benefits| Technology - Data  

About our Data Science Teams:

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

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

Enable Monzo to Make Better Decisions, Faster

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

How we hire

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

What you’ll be working on:

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

You should apply if:

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

The interview process:

Our interview process involves: 

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

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

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

What’s in it for you:

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

✈️ We can help you relocate to the UK or Spain

✅ We can sponsor visas 

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

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

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

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

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

#LI-NB2 #LI-Remote

📍London, Cardiff 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

📍London or Barcelona | UK remote | 💰 £95,000 to £130,000 + Incentive Awards tied to your performance + Benefits| Technology - Data  

About our Data Science Teams:

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

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

Enable Monzo to Make Better Decisions, Faster

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

How we hire

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

What you’ll be working on:

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

You should apply if:

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

The interview process:

Our interview process involves: 

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

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

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

What’s in it for you:

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

✈️ We can help you relocate to the UK or Spain

✅ We can sponsor visas 

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

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

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

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

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

#LI-NB2 #LI-Remote

📍London/Cardiff/UK Remote | 💰circa £110k + Incentive Awards tied to your performance + Benefits  ✨

⭐Our Legal team

We're looking for a Senior Legal Counsel, Commercial, IP & AI to join our UK Legal team at Monzo and help us build one of the best, most innovative banks in the world. 

You will report to Monzo’s Principal Legal Counsel, Commercial, IP & AI in the UK Legal team, which forms part of our wider Legal & Board Governance Collective. 

This role will have day-to-day responsibility for advising on commercial contracts, IP & AI matters for our UK business.  You’ll lead on a wide range of legal matters with opportunities for growth in role as the business scales.

In this role, you will work at all levels in the organisation and in close partnership with a wide-range of stakeholders including our Marketing, Procurement, Third Party Risk Management, Data Protection, Security, Risk & Control and Compliance teams.  Your clients will span all collectives of Monzo’s business, from Operations to Brand and everything in between.

No two days are the same in Monzo’s Legal team. This is not your typical legal role; so we’re not looking for a typical person.

On any given day you may be advising on a sports sponsorship, or the launch of the Monzo book, or a material outsourcing agreement, or the implementation of artificial intelligence technology - you’ll need to be curious and keen to learn.

Ultimately, we’re looking for a collaborative problem-solver with exceptional technical expertise who is willing to roll up their sleeves to help deliver products and services that delight our customers, raise standards, and contribute to our mission.

If this sounds like you, then please get in touch. 

🔑You’ll play a key role by acting as a trusted legal adviser…

• Leading on commercial contracts, including:
• directly drafted and negotiated yourself; and
• supported by our experienced panel of commercial legal contractors, whose work, delegated by you, you will supervise.
• Working (as part of the UK Legal team) alongside our colleagues in our Group Commercial Legal team on:
• developing and implementing processes and procedures to increase the efficiency and scalability of commercial legal advice across Monzo, including workflows, playbooks and precedents, and the use of new technologies; and
• delivering training, sharing insights from your work, and helping educate others on commercial contracts.
• Supporting the delivery of our intellectual property strategy (including working with our external advisers on clearance searches, registrations and oppositions).
• Being a subject matter expert on AI related matters (including the regulation of and contracting for AI).
• Managing relationships with our external legal counsel and alternative legal service providers and contractors, ensuring we are optimising our legal spend for greatest impact.

🤩 We’d love to hear from you if…

• You have around 5 years plus of relevant post qualification experience (or equivalent), having ideally spent time in private practice, and/or in-house at a high-growth technology company, and/or in-house at a bank and/or other financial institution.
• You have deep experience in all aspects of contract law, and have a genuine interest in commercial contracts; it’s not just your job but something you’re proud to be a geek about.  You’re comfortable explaining the difference between contract terms (conditions, warranties, indemnities, and representations) and negotiating your way through tricky legal issues including service credits, service levels, termination rights and liability provisions, among others.
• You have some experience advising on intellectual property related matters (copyright and trade marks in particular).
• You have some experience in artificial intelligence, particularly key legal issues related to the use of generative artificial intelligence.
• You have familiarity with the use of legal technology, including generative AI systems and contract lifecycle management platforms.
• You have some experience of financial services regulation as it relates to commercial contracts (such as material outsourcings, digital operational resilience and operational continuity).
• You have some experience in the transactional elements of data protection, including negotiating data sharing agreements, data processing agreements, and standard contractual clauses.
• You are a strategic thinker, a strong communicator and a keen problem solver who can recommend solutions that balance business and risk perspectives.
• You are willing to jump in and handle a wide range of legal issues that may arise even outside your core areas of expertise in an enthusiastic, proactive, and resourceful manner, and can sensibly assess when best to engage external counsel in a cost-effective way.
• You are comfortable operating at all levels of the organisation and liaising with a variety of internal and external stakeholders.
• You enjoy horizon scanning, proactively assessing risks, and quickly identifying and independently implementing mitigating actions. 
• You have a dynamic and entrepreneurial approach and are comfortable with the ambiguity of a fast-paced and rapidly-evolving environment.
• You welcome diverse perspectives, think rigorously and critically and aren’t afraid to challenge assumptions.
• You have an open and curious mind, are passionate about the intersection of banking and technology and are excited to join us for the next stage of our journey at Monzo!

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 an inclusive 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! 

PQE is a guide only.

🙌 What’s in it for you

💰c. £110,000 base salary (dependent on experience) + Incentive Awards tied to your performance + Benefits 

✅ We can sponsor visas 

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

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

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

🌈 The application journey has 3 key steps

• Recruiter call (potentially followed by an initial call with Principal Legal Counsel - Commercial, IP & AI)
• First stage 1 hour role specific interview
• Second stage 1 hour behavioural interview

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

We’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-DH1 #LI-REMOTE

📍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

📍London/Cardiff/UK Remote | 💰 £86,000-105,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨ 

About us:

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

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

About the role

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

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

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

Our technology stack

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

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

🤩 You should apply if:

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

📌 You must have:

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

Nice to have:

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

The Interview Process:

Our interview process involves:

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

All interviews will be conducted through Google Meet.

What’s in it for you:

💰 £86,000 to £105,000 ➕ plus stock options & benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

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

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

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

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

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

#LI-DC2  #LI-Remote

📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team

About our Data Science Team:

We're looking for a Senior Marketing Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our marketing strategy in 2025 and help us to build a bank that customers truly love.

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

Enable Monzo to Make Better Decisions, Faster

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

How we hire

We are excited to be expanding and are hiring for multiple roles across our Data Science teams! Whether your interests lie in Marketing, Borrowing, Growth, Payments, Fincrime, Wealth, or Core, we are looking for talented individuals with a versatile skill set to contribute across our squads. This role is within our Marketing function within Growth.  Join us and be part of shaping our future!

What you’ll be working on 

You will work together with other data scientists, analysts and analytics engineers as well as marketing managers on powering our marketing function within Growth. Our key goal is increasing volume and value.

Your day-to-day   

• Applying your expertise in marketing analytics, data mining, and the presentation of data to see beyond the numbers and understand how our users interact with our marketing campaigns and how those insights can inform our marketing strategy
• Guide and enable the performance marketing and brand team to measure things that matter; initiate or help run geo-lift experiments to keep improving everything we do
• Build and apply our marketing measurement and forecasting solutions to optimise and drive growth.
• Drive together with the finance team a unified company-wide understanding of the lifetime value of our new users and how different marketing campaigns are impacting user profitability
• Liaise with engineers to keep making sure we collect the right marketing measurement data to produce relevant business insights

You should apply if:

What we’re doing here at Monzo excites you!

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

The Interview Process:

Our interview process involves three main stages: 

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

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

You will have the chance to speak to our recruitment team at various points during your process.

What’s in it for you:

💰 £80,000 to £90,000 + Incentive Awards tied to your performance + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

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

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

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

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

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

#LI-NB2 #LI-Remote

📍London | UK remote | 💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Hear from the team

About our Data Science Team:

We're looking for a Senior Product Data Scientist excited to help build the bank of the future. You'll have the opportunity to super charge our user engagement in 2025 and help us to build a bank that customers truly love.

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

Enable Monzo to Make Better Decisions, Faster

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

How we hire

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

What you’ll be working on 

We work in cross-functional squads where every data scientist is a member of a central data discipline and fully embedded into 1 product squad alongside engineers, designers, marketers, product managers etc.

Your day-to-day   

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

You should apply if:

What we’re doing here at Monzo excites you!

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

The Interview Process:

Our interview process involves three main stages: 

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

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

You will have the chance to speak to our recruitment team at various points during your process.

What’s in it for you:

💰 £80,000 to £95,000 + Incentive Awards tied to your performance + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

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

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

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

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

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

#LI-NB2 #LI-Remote

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

⭐Our Legal team

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

In this role, you’ll work closely with Monzo’s product collectives to build and deliver business banking and merchant payment products, and support the team in making money work for everyone. You’ll work at all levels in the organisation and with a wide-range of stakeholders from Product Managers and Designers, to Operations professionals and Software Engineers, and Risk and Compliance. You will be the ‘go to’ for all things legal and regulatory, and an important part of a team trying to improve our customers’ financial lives. 

🔑You’ll play a key role by…

• You’ll work directly with senior lawyers, product managers and engineers to provide legal advice and commercial insights to develop and grow Monzo Bank in the UK. 
• In particular, you will: 
• Partner with product managers to advise on legal matters relating to business banking and merchant payments (including issues relevant to providing our services to SMEs) and advise on the legal and regulatory requirements for a growing bank.
• Support Monzo with the operational and product changes needed to offer point of sale (POS) and online card payment acceptance to our business banking customers. 
• Help to develop efficient ways of working to enable Monzo to scale quickly, and ensuring Monzo operates safely and in accordance with the law and regulation.
• Provide training and knowledge sharing with other Monzonauts on the impact of laws and regulations on Monzo or our customers.
• Often act as the sole lawyer advising product managers or other colleagues (with support behind the scenes from more senior lawyers) and therefore act autonomously, take ownership of matters, identifying legal issues proactively, evaluating relevant risks and finding effective solutions to unique and complex business activities. 
• You’ll work closely and collaboratively with Monzo’s Director of Legal Payments & Business Banking, General Counsel of Monzo Bank Limited and the other members of the UK Legal team to provide legal advice and commercial insights to Product teams.
• You’ll be a trusted advisor and will work proactively and collaboratively with other relevant stakeholders and teams across the Monzo Group, including the Product, Risk & Compliance, Supplier Operations, Financial Crime, Fraud, and Operations teams.
• You’ll work with Monzo’s Director of Legal Payments & Business Banking, other lawyers and compliance to identify legal and regulatory risks relating to existing and new products, ensure robust challenge and scrutiny of product changes as they go through Monzo’s governance process and to ensure that the businesses you support respond appropriately to new and changed legal and regulatory requirements. 
• You’ll support Monzo’s global product development work by coordinating the legal review of products by collaborating with legal teams in the EU and US to identify local legal and regulatory requirements.
• You’ll work with colleagues across the Legal and Board Governance collective to improve the management of the activities of the legal team, including through identifying suitable technology solutions to streamline workflows, optimise processes and work efficiencies, and increase scalability.
• You’ll proactively manage relationships with external suppliers and law firms to enhance processes around cost management to ensure we are optimising our spend and extracting best value while delivering top-quality legal support. 

🤩 We’d love to hear from you if…

• You are a technically excellent lawyer with a minimum of 5 years of relevant post-qualification experience working in the banking and finance sector. 
• You have a strong background advising on commercial and regulatory issues relating to banking products with specific knowledge and experience evidenced in business banking (including company law and insolvency aspects) and merchant acquiring. 
• You are a strong communicator who can provide clear, precise, and practical legal advice, effectively articulating what is relevant and important in a concise manner. 
• You can take a position on key issues, present persuasive recommendations, and constructively drive consensus among senior stakeholders.
• You have excellent organisational skills and attention to detail, with the ability to prioritise and work effectively and independently under tight deadlines across multiple projects.
• You are a team player and a keen problem solver, skilled at assessing risk and recommending solutions that balance commercial and risk considerations. You think ahead, anticipate relevant challenges, understand the commercial objectives of the teams you support, set clear objectives, and find effective solutions. 
• You are proactive, take initiative to broaden your knowledge, and are passionate about the intersection of banking and technology and the transformation unfolding in consumer finance. You are excited to work in a fast-paced environment and to join us for the next stage of our journey at Monzo!

🌈 The application journey has 3 key steps

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

🙌 What’s in it for you

💰 circa £100,000 & benefits 

✈️ We can help you relocate to the UK

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

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

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

#LI-DH1 #LI-REMOTE

📍 London/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

📍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 

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

About the Role 

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

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

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

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

Is this role right for you?

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

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

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

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

How we work 💻:

Locations & Flexible Working : 

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

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

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

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

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

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

Work the way that works for you with Monzo! 💼

The interview process:

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

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

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

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

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

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

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

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

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

What’s in it for you:

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

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

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

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

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

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

#LI-Remote #LI-AL1

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

Senior Staff Engineer: L70 on our Engineering Progression Framework

About our Engineering Teams:

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

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

Senior Staff Engineer Responsibilities:

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

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

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

We rely heavily on the following tools and technologies:

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

🤩We’d love to hear from you if… 

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

🙌What’s in it for you

💰£140,000 - £184,000 ➕ share options.

✈️ We’ll help you relocate to the UK.

✅ We can sponsor your visa. 

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

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

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

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

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

🌈 The application journey has 4 key steps

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

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

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

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

#LI-Remote

#LI-ZM

📍London (Hybrid) / UK Remote | 💰 £90,000 - £110,000 + Incentive Awards tied to your performance + Benefits ✨

⭐Our Design team

We’re a team of 90+ designers, researchers, and brand experts led by Chief Design Officer Vuokko Aro. We’re on a mission to make money work for everyone. Product Design makes up almost half of our design disciplines, working in tight-knit squads alongside research, product, and engineering to solve real customer problems at scale.

We design for the "magic moments"

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

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

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

🔑You’ll play a key role by...

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

🤩 We’d love to hear from you if…

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

🙌What’s in it for you

💰 £90,000 - £110,000 + Incentive Awards tied to your performance 

✈️ We’ll help you relocate to the UK.

✅ We can sponsor your visa.

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

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

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

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

➕ Plus lots more!

🌈 The application journey has 3 key steps

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

This process should take around 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-TR1

#LI-Remote

📍London or UK Remote | 💰£110,000 - £125,000 + Stock Options + Benefits | Hear from the team ✨

⭐Our Design team

We’re a team of 100+ designers, researchers, and brand experts led by Chief Design Officer Vuokko Aro. We’re on a mission to make money work for everyone. Product Design makes up almost half of our design disciplines, working in tight-knit squads alongside research, product, and engineering to solve real customer problems at scale.

We design for the "magic moments"

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

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

The Operations Collective is where we design how help and customer support works at Monzo. We think holistically about the experience of getting support as a customer, and how that connects to the systems, tools, and people behind the scenes.

We’re focused on delivering effortless, tech-led support experiences that can scale as Monzo grows. That means understanding customer problems deeply, preventing support needs where possible, solving issues at their source within the product, and designing seamless journeys whether customers self-serve or speak to a customer support agent. 

AI and automation play a central role, empowering customers to resolve simpler issues independently, and equipping our operations teams with intelligent tools to handle more complex cases with confidence and speed. We design across the full ecosystem: customer journeys, internal platforms, routing, and the foundations that enable us to scale safely.

There’s a real opportunity to shape how help works across Monzo, end to end. 

🔑You’ll play a key role by...

• Embedding the long-term design vision for support experiences at Monzo, shaping how customer-facing journeys, internal systems, and human service connect into one coherent ecosystem.
• Leading large, end-to-end design initiatives across ambiguous problem spaces, spanning AI-enabled help experiences, internal tooling, and operational workflows.
• Designing with a service mindset, understanding what happens beyond the interface and shaping the real-world impact of your design decisions.
• Designing across touchpoints; from the app, to the phone, to human support.
• Navigating tradeoffs and guiding strategic decisions in an opinionated way.
• Coaching the other Ops Collective designers by helping them to embed the vision in their work, running design crits and supporting them to shape their work. 
• Continuing to raise the bar for design craft and product excellence at Monzo, ensuring your work is a benchmark for quality and innovation across the organisation and our industry.
• Partnering with cross-functional leaders to define and execute product strategies that translate into actionable plans you help build and ship.
• Proactively addressing systemic challenges, reducing complexity, and creating better conditions for teams to deliver impactful work.
• Acting as a visible ambassador for Design, sharing your work and its impact across the company to maintain Design’s place at the heart of Monzo.
• Mentoring and levelling up designers across the discipline, fostering a culture of growth, collaboration, and belonging.

🤩 We’d love to hear from you if…

• You’re an expert in your craft, with deep expertise in a specific design discipline and strong foundational skills across all areas of product design.
• You’re comfortable designing for AI and automation-enabled environments, and excited by the opportunities AI creates to rethink how services operate.
• You have experience working on complex service ecosystems, where digital products connect to real-world operations, people, or logistics.
• You’re passionate about improving how humans and technology work together, creating experiences that feel seamless to customers and empowering to the teams delivering support.
• You have a proven track record of delivering high-impact design work that drives customer outcomes, influences company metrics, and achieves commercial goals.
• You’ll have excellent visual, UI and interaction skills, and the ability to think through complex interaction design. 
• You thrive in ambiguity, leading teams to deliver in complex, fast-changing environments while maintaining a high bar for quality.
• You’re a strategic thinker who can shape product direction across multiple areas and translate organisational goals into clear, actionable plans.
• You’re a natural collaborator, skilled at working cross-functionally to improve ways of working and deliver greater value for customers and the business.
• You’re passionate about growing and shaping the Design team, whether through hiring, onboarding, or creating resources that scale your impact across the organisation.
• You’re pragmatic and proactive, always looking for ways to improve Design’s impact at Monzo while balancing the need to “get the job done”.

🙌What’s in it for you

💰£110,000 - £125,000 + Stock Options

✈️ We’ll help you relocate to the UK.

✅ We can sponsor your visa.

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

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

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

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

➕ Plus lots more!

🌈 The application journey has 3 key steps

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

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

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

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

#LI-TR1

#LI-Remote

📍London / UK Remote | 💰 Engineer III £78,000 - £110,000 + Incentive Awards tied to your performance + Benefits | Technology - Engineering |  

About our Engineering Teams:

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

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

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

Your day-to-day   

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

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

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

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

How we work 💻:

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! 💼

You should apply if:

• you have strong experience working on the backend of a technology product
• you want to be involved in building a product that you (and the people you know) use every day
• you have a product mindset: you care about customer outcomes and you want to make data-informed decisions
• you’re comfortable working in a team that deals with ambiguity
• you’re interested in distributed systems and writing resilient software
• you have some experience with strongly-typed languages (Go, Java, C, Scala etc.).
• you think you’d enjoy the kind of work we’re doing

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

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

What you’ll be working on: 

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

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

The Interview Process:

Our interview process involves three main stages: 

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

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

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

What’s in it for you:

💰 £78,000 - £110,000 base salary➕ plus stock options 

✈️We can help you relocate to the UK 

✅We can sponsor visas.

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

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

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

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

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

#LI-Remote

#LI-HJ1