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 | UK remote | 💰 £55,000 to £75,000 + Incentive Awards tied to your performance + Benefits | Hear from the team

About our Data Science Team:

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

At Monzo, we're building a bank that is fair, transparent and a delight to use. We’re growing extremely fast and have over four and half million customers in the UK, with over 100,000 new people joining every month. We’ve built a product that people love and more than 80% of our growth comes from word of mouth and referrals.

Enable Monzo to Make Better Decisions, Faster

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

How we hire

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

What you’ll be working on 

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

Your day-to-day   

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

You should apply if:

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

The Interview Process:

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

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

do have any specific questions or want to talk through reasonable adjustments ahead of or during application please us at any point on tech-hiring@monzo.com 

What’s in it for you:

💰 £55,000 to £75,000 + Incentive Awards tied to your performance + Benefits

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

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

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

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

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

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

📍 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, 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

The mission of Speechify is to make sure that reading is never a barrier to learning.

Over 50 million people use Speechify’s text-to-speech products to turn whatever they’re reading – PDFs, books, Google Docs, news articles, websites – into audio, so they can read faster, read more, and remember more. Speechify’s text-to-speech reading products include its iOS app, Android App, Mac App, Chrome Extension, and Web App. Google recently named Speechify the Chrome Extension of the Year and Apple named Speechify its 2025 Design Award winner for Inclusivity.  

Today, nearly 200 people around the globe work on Speechify in a 100% distributed setting – Speechify has no office. These include frontend and backend engineers, AI research scientists, and others from Amazon, Microsoft, and Google, leading PhD programs like Stanford, high growth startups like Stripe, Vercel, Bolt, and many founders of their own companies.

Overview

The responsibilities of our Platform team include building and maintaining all backend services, including, but not limited to, payments, analytics, subscriptions, new products, text to speech, and external APIs.

This is a key role and ideal for someone who thinks strategically, enjoys fast-paced environments, is passionate about making product decisions, and has experience building great user experiences that delight users.

We are a flat organization that allows anyone to become a leader by showing excellent technical skills and delivering results consistently and fast. Work ethic, solid communication skills, and obsession with winning are paramount. 

Our interview process involves several technical interviews and we aim to complete them within 1 week. 

What You’ll Do

• Design, develop, and maintain robust APIs including public TTS API, internal APIs like Payment, Subscription, Auth and Consumption Tracking, ensuring they meet business and scalability requirements
• Oversee the full backend API landscape, enhancing and optimizing for performance and maintainability
• Collaborate on B2B solutions, focusing on customization and integration needs for enterprise clients
• Work closely with cross-functional teams to align backend architecture with overall product strategy and user experience

An Ideal Candidate Should Have

• Proven experience in backend development: TS/Node (required)
• Direct experience with GCP and knowledge of AWS, Azure, or other cloud providers
• Efficiency in ideation and implementation, prioritizing tasks based on urgency and impact
• Preferred: Experience with Docker and containerized deployments
• Preferred: Proficiency in deploying high availability applications on Kubernetes

What We Offer

• A dynamic environment where your contributions shape the company and its products
• A team that values innovation, intuition, and drive
• Autonomy, fostering focus and creativity
• The opportunity to have a significant impact in a revolutionary industry
• Competitive compensation, a welcoming atmosphere, and a commitment to an exceptional asynchronous work culture
• The privilege of working on a product that changes lives, particularly for those with learning differences like dyslexia, ADD, and more
• An active role at the intersection of artificial intelligence and audio – a rapidly evolving tech domain

Think you’re a good fit for this job? 

Tell us more about yourself and why you're interested in the role when you apply.
And don’t forget to include links to your portfolio and LinkedIn.

Not looking but know someone who would make a great fit? 

Refer them! 

Speechify is committed to a diverse and inclusive workplace. 

Speechify does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status.

Job Title: Social Worker - Children’s Safeguarding Team - Cardiff 
Location: Cardiff
Pay Rate: £ 38.43/per hour

Liquid Personnel is seeking an experienced children social worker to join their esteemed client's long-term Children’s Safeguarding team. We are looking for a dedicated professional with a passion for working with children and families, as well as expertise in identifying and managing child protection concerns and addressing ongoing issues.

Role Overview: This challenging and rewarding role involves working with complex cases, including:

• High-end Children in Need (CIN) and child protection cases.
• Managing cases that may progress to care proceedings, requiring a solid understanding of court work and the statutory requirements for children who are looked after.

Key Responsibilities:

• Developing and implementing measurable, timely interventions in Child Protection/CIN plans.
• Identifying when further intervention is required to protect children within your caseload and taking appropriate action.
• Championing practice improvement, actively participating in process, procedure, policy, and strategy development.
• Managing and assessing risk, leveraging technical authority and deep expertise in social care practice.
• Supporting and mentoring others while maintaining credibility and hands-on experience in complex cases.

Who We’re Looking For:

The ideal candidate will:

• Be registered with Social Work Wales.
• Possess significant experience in progressing Child Protection and CIN plans.
• Demonstrate expertise in assessing and managing risk in complex cases.
• Be organized, resilient, and adept at balancing multiple priorities while maintaining a focus on the best outcomes for children.
• Ideally, be a driver with access to a car and eligible to reside and work in the UK.

Why Liquid Personnel? 

• New ‘Faster Pay’ service getting you paid more quickly
• Twice weekly payroll
• Free DBS and compliance service
• Access to exclusive roles that aren’t available from other agencies
• Free access to Liquid’s exclusive social work training and CPD portal
• Your own dedicated consultant with extensive social work knowledge
• Access to a wide selection of social work positions across the UK
• “Refer a Friend” bonus – get £500 for each social worker you refer who we successfully place*
• “Find your own job” bonus – get £250 for bringing your own position to us *

Liquid Personnel is an equal opportunities employer. Liquid Personnel Ltd is acting as an Employment Business in relation to this vacancy. * Terms and conditions apply to our bonus schemes.

Reasonable Adjustments:

If you consider yourself to have a disability or require any reasonable adjustment during the recruitment process or within the workplace, please highlight this at the earliest opportunity by contacting our team. With this information, we will provide appropriate support to you throughout the process and into your work placement.

We are unable to support or accept applications from candidates who are residents within the Red or Amber list of the Code of practice for the international recruitment of health and social care personnel in England, based on the World Health Organisation (WHO) Workforce Support and Safeguard List.

BH - 189919
GH - 30408

📍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

📍London  | 💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

Our Capital, Impairments & Forecasting Team

Our Capital, Impairments & Forecasting team (CIF) sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.

Within CIF, we are scaling up our Forecasting modelling and execution team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of forecasting and stress testing models across both well established and emerging products.  Additionally the successful individual will have a key role in executing these models across high profile budgeting & stress-test exercises and building up our toolkit to quantify the impact of various strategic decisions for senior management.

Strong data and analytical skills are a must, as is experience in credit risk modelling.  Prior experience developing credit risk forecasting models is desirable, but relevant model development / validation experience in IRB modelling, IFRS9 or scorecard models will also be considered. Experience as a ‘model user’ of forecasting models in the context of budgeting or stress-testing would be helpful but is not required.

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

• Google Cloud Platform for all of our analytics infrastructure
• dbt and BigQuery SQL for our data modelling and warehousing
• Python for data science and predictive modelling, model implementation and data visualisation (via streamlit)
• Github for version control

Your day-to-day responsibilities:   

• Assist with continuous improvement of forecasting models via new developments or recalibrations.
• Construction of grounded overlays, where required, to quantify effects of future strategy changes or address known model limitations
• Furthering the development and execution of forecast model monitoring to inform an effective prioritisation of model improvements
• Presenting forecast model results to senior management
• Close collaboration with portfolio strategy, model validation, finance and external audit teams

You should apply if:

• You have a background in forecast modelling or execution
• You have relevant experience in the development and implementation of credit models (e.g IFRS9 / Forecasting / IRB)
• You have strong analytical skills and a track record of using these to deliver technical projects
• You have a solid technical toolkit. SQL and Python are our desired coding languages but experience in SAS/R will be considered. A data visualisation tool (such as Streamlit or Looker) is a plus
• You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
• You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
• You're a team player whom your colleagues can rely on

The Interview Process:

Our interview process involves 4 main stages: 

1. Initial call with a member of the Forecasting team
2. Technical modelling interview 
3. Values and collaboration behavioural interview
4. A live case study problem solving interview

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

What’s in it for you:

💰 £78,000 to £95,000 +  Incentive Awards tied to your performance + Benefits

📍 London (one to two days a week)

✈️ We can help you relocate to the UK

✅ We can sponsor visas

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

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

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

#LI-LG1  #LI-Remote

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

About our Capital, Impairments & Forecasting Team

Our Capital, Impairments & Forecasting team sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.

We are scaling up our Impairments modelling team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of IFRS 9 models (PD, LGD, EAD, macroeconomic models) across both well established and emerging products.  Additionally the successful individual will have oversight of model performance, construction of PMAs/model overlays where required, model implementation, and impairment analytics for senior management.

Strong data and analytical skills are a must, as is experience in credit risk modelling and IFRS 9 provision methodology.  Prior experience developing IFRS 9 models is desirable, but model development experience in IRB modelling, stress testing or scorecard models will also be considered.

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

• Google Cloud Platform for all of our analytics infrastructure
• dbt and BigQuery SQL for our data modelling and warehousing
• Python for data science and predictive modelling, and model implementation

Your day-to-day responsibilities:   

• Assist with end-to-end development and maintenance of IFRS 9 models (PD, EAD, LGD)
• Construction of post-model adjustments / model overlays as and when required
• Implementation of new models 
• Development and maintenance of economic-response models for scenario simulation and impairment 
• Enhancement of model monitoring and month-end ECL reporting and analytics
• Presenting modelling results to 1LOD and 2LOD risk forums/committees 
• Close collaboration with portfolio strategy, model validation, finance and external audit teams

How we work:

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

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

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

Work the way that works for you at Monzo! 💼

You should apply if:

• You have a background in IFRS 9 impairments
• You have end to end experience in the development and implementation of credit models (e.g PD, LGD, EAD). 
• You have experience in monitoring ECLs and conducting driver analyses 
• You have strong analytical skills and a track record of using these to deliver technical projects
• You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus
• You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
• You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
• You're a team player whom your colleagues can rely on

The Interview Process:

Our interview process involves 4 main stages: 

1. Initial call with a member of the impairments team
2. Technical IFRS 9 interview 
3. Values and collaboration behavioural interview
4. A live case study problem solving interview

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

What’s in it for you:

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

📍 London (one to two days a week)

✅ We can sponsor visas

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

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

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

📍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

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

The Role 🚀

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

Key Responsibilities 👏

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

We’re Looking For 🔍

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

Our Values & Culture 🌞

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

Interview Process 🤝

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

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

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

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

📍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

Overview

Bring your enthusiasm and knowledge of GIS customization to help build and test advancements to ArcGIS Arcade. Arcade is used by organisations around the world to customize their workflows, QA/QC data input, and create cutting edge visualisations. This is a fantastic opportunity to become part of the product development team and support the delivery of regular, high-quality releases in a fast-paced, dynamic environment.

Help us improve our Arcade functional capabilities, test routines, and documentation as part of the ArcGIS Pro development team developing Arcade. You’ll also collaborate with engineers on other products to ensure seamless integration across ArcGIS.

Esri has a Relocation Assistance Program and can provide support with relocating to the Cardiff, UK area for this position. Check out more details of the Esri R&D Center – Cardiff!

Responsibilities

• Apply curious, independent thought, and attention to detail to explore and understand the challenges that ArcGIS users face and provide usable, informative feedback on user experience
• Build rich and varied GIS datasets and maps, sample applications and articles that can be used to highlight product capabilities, explain scripting functions, and guide scripting best practices
• Work with your development team, and teams across Esri, to design, create, and validate the newest datasets and GIS workflows to support visualisation, map labelling, pop-ups, attribute rules and verify the functionality meets user workflows and is consistent with Esri ecosystem
• Describe GIS best practices and demonstrate how to apply these GIS workflows in internal team meetings, on product forums and websites, with customers, at Esri events, or in publications like the ArcGIS Blog
• Learn about and collaborate in AI code generation experiences to explore issues, investigate problems, and design and prototype enhancements
• Build focused test code to represent complex situations for investigation and regression testing
• Administer, automate, and manage online and database GIS systems and services to support the development of new product features and ongoing product releases

Requirements

• 2+ years of GIS experience (such as modeling, analyzing, or presenting geospatial data in a scientific, engineering, governmental, or post graduate academic environment)
• Proficiency with mapping, spatial data or GIS platforms such as ArcGIS or QGIS
• Strong problem-solving and analytic skills
• Proven initiative and creativity to find ways to explore, investigate, test and validate software behavior
• Experience of, and interest in, scripting or coding to appreciate our end users' challenges and to communicate effectively with the development team
• Excellent communication and team collaboration skills
• Bachelor’s degree in GIS, geography, computer science, engineering, or related field
• Existing work authorisation for the United Kingdom

Recommended Qualifications

• Experience and passion for working with cartography, mapping or geospatial data
• Interest in or knowledge of AI code generation and development tools
• Proven experience of user communication and education such as having been responsible for product documentation, blogs, written or video tutorials, presentations
• Familiarity using version control systems such as Git, for documentation and code
• Familiarity with some of the scripting or coding languages such as Python, Lua, JavaScript, Perl, or Typescript
• Master’s degree in GIS, computer science, engineering, or related field

Base salary is one component of our total rewards strategy. Compensation decisions and the base range for this role take into account many factors including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. 

A reasonable estimate of the base salary range is £37,080 - £58,092.

#LI-EL1

#LI-Onsite

Overview

Bring your passion for C++ to help us develop a cross-platform mapping SDK that runs on desktop and mobile devices using the latest compilers and C++ standards. At Esri, we love making a difference and leading the way in developing innovative technology. This is a great opportunity to design and develop next-gen Esri technology - initially focusing on text: calculation, de-confliction, positioning and real-time rendering for 2D and 3D.

Esri has a Relocation Assistance Program and can provide support with relocating to the Cardiff area for this position. Check out more details about the Esri R&D Center – Cardiff!

Responsibilities

• Build C++ software components that follow industry and team-standard design patterns, development methodologies, and deployment models
• Develop excellent software for use in field mapping, data collection, sensor networks, street navigation, and more, with the initial focus being on text related components
• Collaborate with other software and product engineers throughout the development process
• Discuss user requirements; design and develop library APIs and implementations
• Research, analyse, articulate, and solve complex problems with design, development, testing, and documentation
• Learn and collaborate in SDK environments and languages, for testing, investigation and prototyping

Requirements

• 2+ years of commercial/academic software development experience, including debugging algorithms, and designing functions and class structures
• Fluent in, and keen to engineer with, modern C++ (14/17/20) and STL, including smart pointers, optional, variant, lambda expressions, move semantics and template programming
• Experience with IDEs, compilers, and development tools for Linux, Windows or MacOS
• Object oriented design skills
• Understanding of algorithms and design patterns
• Ability to work closely with the team to build quality software in a constantly evolving environment
• Effective time management and organisational skills
• Excellent written and verbal communication skills
• Bachelor’s degree in computer science, engineering, mathematics, mapping, GIS, or related field
• Existing work authorisation for the United Kingdom

Recommended Qualifications

• Experience in complementary design approaches such as Value-based, Data-Oriented, Multithreading, Parallelisation, Functional or Compile-time
• Interest in or knowledge of text layout, typography, fonts, and libraries such as ICU and HarfBuzz
• Familiarity with GIS applications and technologies
• Familiarity with some other languages which our SDKs target or are used in infrastructure (such as Kotlin, Qt, C#, Swift, Flutter, Typescript or Python)
• Master’s degree in GIS, computer science, engineering, or related field

Base salary is one component of our total rewards strategy. Compensation decisions and the base range for this role take into account many factors including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. 

A reasonable estimate of the base salary range is £39,600 - £67,320.

#LI-EL1

#LI-Onsite

Overview

Bring your enthusiasm and talents to Esri, creating industry leading ArcGIS products. The ArcGIS Maps SDKs allow developers to build modern mapping applications for mobile and desktop platforms, with 2D and 3D data visualisation, and online or offline access. This is a fantastic opportunity to join the product development team and support the delivery of regular, high-quality releases in a collaborative and dynamic environment.  

Help us improve our cross-platform GIS software libraries, built on the latest compilers and C++ standards, and create sample apps, developer documentation, and developer outreach.  

Esri has a Relocation Assistance Program and can provide support with relocating to the Cardiff area for this position. Check out more details of the Esri R&D Center – Cardiff!

Responsibilities

• Apply curious, independent thought, and attention to detail to explore and understand the challenges that ArcGIS users face and provide usable, informative feedback on user experience
• Understand the customer, who are software developers, gathering requirements and use cases that translate into actionable code and doc improvements 
• Build rich and varied GIS datasets and maps, sample applications and articles that can be used to highlight product capabilities, explain APIs and guide user (developer) practices
• Work with your development team, and teams across Esri, to design, create, and validate the newest datasets and GIS workflows to support field mapping, data collection, spatial analysis and verify the functionality meets user workflows and is consistent with Esri ecosystem
• Describe GIS best practices and demonstrate how to apply these GIS workflows in internal team meetings, on product forums and websites, with customers, at Esri events, or in publications like the ArcGIS Blog
• Document technical topics and concepts, and produce developer-focused product documentation
• Learn about and collaborate in SDK environments (such as Kotlin, Qt, C#, Swift, Flutter, Python), to explore issues, investigate problems, and design and prototype enhancements 
• Build focused test code to represent complex situations for investigation and regression testing
• Administer, automate, and manage online and database GIS systems and services to support the development of new product features and ongoing product releases

Requirements

• 2+ years of GIS experience (such as modeling, analyzing, or presenting geospatial data in a scientific, engineering, governmental, or post graduate academic environment)
• Proficiency with mapping, spatial data or GIS platforms such as ArcGIS or QGIS 
• Strong problem-solving and analytic skills
• Proven initiative and creativity to find ways to explore, investigate, test and validate software behavior
• Excellent communication and team collaboration skills 
• Experience of, and interest in, scripting or coding to appreciate our developer users' challenges and to communicate effectively with the development team
• Bachelor’s degree in GIS, geography, computer science, engineering, or related field
• Existing work authorisation for the United Kingdom

Recommended Qualifications

• Experience and passion for working with cartography, mapping or geospatial data 
• Interest in or knowledge of layout, typography, and fonts for international text
• Proven experience of user communication and education such as having been responsible for product documentation, blogs, written or video tutorials, presentations
• Familiarity using version control systems such as Git, for documentation and code 
• Familiarity with some of the scripting or coding languages which our SDKs target, and which we use for automation, such as using Kotlin, Qt, .Net, Swift, Flutter, Typescript or Python
• Master’s degree in GIS, computer science, engineering, or related field 

Base salary is one component of our total rewards strategy. Compensation decisions and the base range for this role take into account many factors including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. 

A reasonable estimate of the base salary range is £37,080 - £58,092.

#LI-EL1

#LI-Onsite

📍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 | 💰£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  | 💰 £58,000 to £78,000 +  Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

About our Capital, Impairments & Forecasting Team

Our Capital, Impairments & Forecasting team sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.

We are scaling up our Impairments modelling team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of IFRS 9 models (PD, LGD, EAD, macroeconomic models) across both well established and emerging products.  Additionally the successful individual will have oversight of model performance, construction of PMAs/model overlays where required, model implementation, and impairment analytics for senior management.

Strong data and analytical skills are a must, as is experience in credit risk modelling and IFRS 9 provision methodology.  Prior experience developing IFRS 9 models is desirable, but model development experience in IRB modelling, stress testing or scorecard models will also be considered.

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

• Google Cloud Platform for all of our analytics infrastructure
• dbt and BigQuery SQL for our data modelling and warehousing
• Python for data science and predictive modelling, and model implementation

Your day-to-day responsibilities:   

• Assist with end-to-end development and maintenance of IFRS 9 models (PD, EAD, LGD)
• Construction of post-model adjustments / model overlays as and when required
• Implementation of new models 
• Development and maintenance of economic-response models for scenario simulation and impairment 
• Enhancement of model monitoring and month-end ECL reporting and analytics
• Presenting modelling results to 1LOD and 2LOD risk forums/committees 
• Close collaboration with portfolio strategy, model validation, finance and external audit teams

How we work:

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

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

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

Work the way that works for you at Monzo! 💼

You should apply if:

• You have a background in IFRS 9 impairments
• You have end to end experience in the development and implementation of credit models (e.g PD, LGD, EAD). 
• You have experience in monitoring ECLs and conducting driver analyses 
• You have strong analytical skills and a track record of using these to deliver technical projects
• You have a solid technical toolkit. SQL and either Python or R is a must-have, a data visualisation tool (such as Tableau, PowerBI, Looker) is a plus
• You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
• You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
• You're a team player whom your colleagues can rely on

The Interview Process:

Our interview process involves 4 main stages: 

1. Initial call with a member of the impairments team
2. Technical IFRS 9 interview 
3. Values and collaboration behavioural interview
4. A live case study problem solving interview

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

What’s in it for you:

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

📍 London (one to two days a week)

✅ We can sponsor visas

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

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

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

📍London  | 💰 £78,000 to £95,000 + Incentive Awards tied to your performance + Benefits | Data Team, Borrowing 

Our Capital, Impairments & Forecasting Team

Our Capital, Impairments & Forecasting team (CIF) sits at the intersection of our Borrowing and Finance collectives, responsible for developing, executing and managing the models used to calculate IFRS 9 ECL, and credit risk capital through the annual ICAAP. We work alongside our first line credit teams who design the products, decide who to lend to, set underwriting policy, identify customers who need help, manage the portfolio and report and measure credit risk.

Within CIF, we are scaling up our Forecasting modelling and execution team to support the rapid growth and evolution of our portfolio. This role is pivotal for the team as the successful candidate will help develop and further enhance our suite of forecasting and stress testing models across both well established and emerging products.  Additionally the successful individual will have a key role in executing these models across high profile budgeting & stress-test exercises and building up our toolkit to quantify the impact of various strategic decisions for senior management.

Strong data and analytical skills are a must, as is experience in credit risk modelling.  Prior experience developing credit risk forecasting models is desirable, but relevant model development / validation experience in IRB modelling, IFRS9 or scorecard models will also be considered. Experience as a ‘model user’ of forecasting models in the context of budgeting or stress-testing would be helpful but is not required.

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

• Google Cloud Platform for all of our analytics infrastructure
• dbt and BigQuery SQL for our data modelling and warehousing
• Python for data science and predictive modelling, model implementation and data visualisation (via streamlit)
• Github for version control

Your day-to-day responsibilities:   

• Assist with continuous improvement of forecasting models via new developments or recalibrations.
• Construction of grounded overlays, where required, to quantify effects of future strategy changes or address known model limitations
• Furthering the development and execution of forecast model monitoring to inform an effective prioritisation of model improvements
• Presenting forecast model results to senior management
• Close collaboration with portfolio strategy, model validation, finance and external audit teams

You should apply if:

• You have a background in forecast modelling or execution
• You have relevant experience in the development and implementation of credit models (e.g IFRS9 / Forecasting / IRB)
• You have strong analytical skills and a track record of using these to deliver technical projects
• You have a solid technical toolkit. SQL and Python are our desired coding languages but experience in SAS/R will be considered. A data visualisation tool (such as Streamlit or Looker) is a plus
• You can convey problems and solutions using clear and simple language, both written and verbal (see Monzo’s tone of voice guide). This is particularly important for communicating complex issues and priorities to non-experts
• You're impact driven and eager to have a real positive impact on the company, our products, our users and your team-mates
• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
• You're a team player whom your colleagues can rely on

The Interview Process:

Our interview process involves 4 main stages: 

1. Initial call with a member of the Forecasting team
2. Technical modelling interview 
3. Values and collaboration behavioural interview
4. A live case study problem solving interview

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

What’s in it for you:

💰 £78,000 to £95,000 +  Incentive Awards tied to your performance + Benefits

📍 London (one to two days a week)

✈️ We can help you relocate to the UK

✅ We can sponsor visas

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

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

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

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📍 Cardiff | 🏢 2 days per week in the office 

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

What You’ll Be Doing 🗃️

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

Our Values & Culture 🌞

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

We’re Looking For 🔎

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

Interview Process 🤝

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

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

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

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

📍London (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 | UK remote | 💰 £126,000 to £160,000 + Benefits

About our Business Banking Team:

Our Mission in Business Banking is to simplify banking for small businesses - this means making business banking fairer, simpler, and more transparent for small businesses. Monzo Business Banking is fast growing and is the UK’s most recommended business account for overall service quality and used by 1 in 7 UK SMEs. Data is crucial to the success of this mission and product data scientists are the core of how we build and scale our data to Enable Monzo to Make Better Decisions, Faster, and help serve Monzo’s businesses.

As we scale Business Banking, we are hiring a Senior Data Science Manager to set product direction using data, strengthen commercial decision-making, and lead the evolution from analytics to AI and ML-enabled product capability in Business Banking.

You’ll be working in an ever changing environment in collaboration with the General Manager and BB Leadership team.

You’ll help us build and improve these for now and for our future roadmap. We’re looking for a leader with hands-on experience, data driven strategic leader who can bring fresh thinking and new ways to inspire the team and our customers.

What you’ll be working on:

• You’ll work closely with the General manager, product director, engineering managers, designers and researchers in an agile product environment.
• You will shape product strategy and prioritisation — making crisp recommendations on what to build, why, and how we’ll measure success.
• You’ll champion the use of data, bring ideas to life through rigorous experimentation and A/B testing.
• You’ll help build AI/ML-enabled product capability (where it’s the right tool), and ensure features are evaluated, launched, and monitored responsibly.
• You and your team will drive product innovation and you’ll get to see the impact of all your work in the product changes we make.
• You’ll bring commercial acumen to decisions — sizing opportunities, clarifying trade-offs, and helping leadership choose where to invest.
• You will be a key leader in building a discipline of exceptional data scientists and analytics engineers working on making Monzo world class in Business Banking, as well as having the opportunity to help your team’s career progression and development.

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

You should apply if:

• You have multiple years of experience in product data science, with 3 or more years working in Senior or Lead positions within Data Science or Analytics.
• You have had experience managing high performing senior teams of 8-10 people
• You consider yourself an empathetic leader and have experience managing data scientists and analytics engineers and you really enjoy that part of the job.
• Proven ability to set direction and influence product strategy with data (not just analysis).
• Strong commercial judgement and comfort with trade-offs.
• Experience leading teams, with the ability to be hands-on when needed (IC-capable).
• Practical understanding of shipping/operating ML in a product environment (or leading teams that do).
• Strong stakeholder influence and clear, concise communication.
• You are comfortable exploring potentially ambiguous business problems and enjoy using data to drive decisions
• You have experience building relationships and working together and collaborating with senior business stakeholders and product teams
• Experience with working with c-level peers
• You know what it takes to lead top tier Data Science and Analytics Engineering talent talent
• You're familiar with using a variety of Data Science tools (from business intelligence, experimentation and causal inference through to machine learning), and coding languages (Python and SQL). You know when to pick the right tool, and can help others do the same

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

The Interview Process:

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

• 30 minute recruiter call
• 45 minute call with hiring manager
• 3 x 1-hour video calls with various team members

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

What’s in it for you:

💰 £126,000 to £160,000 + Benefits ✨

✈️ We can help you relocate to the UK

✅ We can sponsor visas

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

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

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

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

#LI-AE1  #LI-Remote

📍London or 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 | 💰 £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

Social Media Manager - Wales

Reform UK is looking for a Social Media Manager to lead and grow our digital presence across Wales. You will own our social channels, shape online messaging, and turn engagement into political momentum for Britain’s biggest political party.

Key Responsibilities:
- Develop and execute a clear, growth-focused social media strategy.
- Create daily content across X, Facebook, Instagram, TikTok and YouTube.
- Deliver rapid-response content reacting to Welsh political developments.
- Grow audiences, increase engagement, and support voter and supporter acquisition.
- Track performance analytics and optimise content for maximum reach and impact.

Requirements:
- Experience managing political or campaign-focused social media accounts.
- Basic knowledge of editing software (CapCut, Premiere Pro, Final Cut, DaVinci, or similar). Graphic design or motion skills are a plus, but not essential.
- Strong understanding of Welsh politics and media.
- Excellent copywriting and short-form video skills.
- Confident working in a fast-paced, politically charged environment.
- A strong commitment to the values and mission of Reform UK.

This is a hands-on role with direct impact on Reform UK’s Wales' growth and electoral success.